Total monthly cost of ownership
Cost to Own a Home in Osawatomie, Kansas
A $137,000 home here costs
$1,291per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $704. The real number is $587 higher every month — 83% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Osawatomie against Miami County and Kansas
| Measure | Osawatomie | Miami County |
|---|---|---|
| Median home value | $137,400 | $277,700 |
| Median property tax | $2,270 | $3,406 |
| Effective tax rate | 1.652% | 1.227% |
| Median gross rent | $948 | $1,101 |
| Population | 4,244 | 34,625 |
The weather behind that power bill
Osawatomie sits in Miami County, which averages a high of 88.6°F in its hottest month and a low of 19.0°F in its coldest, with 41.36" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,385 cooling and 4,999 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Miami County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Miami County
Common questions
How much does it cost to own a home in Osawatomie?
A $137,000 home in Osawatomie, Kansas costs approximately $1,291 per month with 20% down at 6.66%. That is $704 principal and interest, $189 property tax, $80 homeowners insurance, $204 utilities and $114 set aside for maintenance.
What is the property tax rate in Osawatomie?
Osawatomie has an effective property tax rate of 1.652%, based on a median home value of $137,400 and median real estate taxes of $2,270. That is higher than the Miami County average of 1.227%.
What is the average home price in Osawatomie?
The median owner-occupied home value in Osawatomie, Kansas is $137,400, against $277,700 across Miami County.
Is it cheaper to rent or buy in Osawatomie?
Median gross rent in Osawatomie is $948 a month, against $1,291 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Osawatomie — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kansas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.