Total monthly cost of ownership
Cost to Own a Home in Osborne, Kansas
A $82,000 home here costs
$905per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $39,000 a year.
A standard mortgage calculator would have told you $447. The real number is $458 higher every month, 102% more than the payment most buyers budget for.
Compare Osborne County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Osborne from a five-year rolling sample, and with about 1,496 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Osborne County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Osborne against Osborne County and Kansas
| Measure | Osborne | Osborne County |
|---|---|---|
| Median home value | $82,100 | $84,700 |
| Median property tax | $1,657 | $1,365 |
| Effective tax rate | 2.018% | 1.612% |
| Median gross rent | $580 | $591 |
| Population | 1,496 | 3,473 |
The weather behind that power bill
Osborne sits in Osborne County, which averages a high of 92.6°F in its hottest month and a low of 14.4°F in its coldest, with 28.59" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,334 cooling and 5,584 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Osborne County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osborne County
No other places of this size are published in Osborne County.
Talk to someone who works this market
These are Osborne averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Osborne every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Osborne I already own here and may sell
Common questions
How much does it cost to own a home in Osborne?
A $82,000 home in Osborne, Kansas costs approximately $905 per month with 20% down at 7.24%. That is $447 principal and interest, $138 property tax, $48 homeowners insurance, $204 utilities and $68 set aside for maintenance.
What is the property tax rate in Osborne?
Osborne has an effective property tax rate of 2.018%, based on a median home value of $82,100 and median real estate taxes of $1,657. That is higher than the Osborne County average of 1.612%.
What is the average home price in Osborne?
The median owner-occupied home value in Osborne, Kansas is $82,100, against $84,700 across Osborne County.
Is it cheaper to rent or buy in Osborne?
Median gross rent in Osborne is $580 a month, against $905 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Osborne?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Osborne, Kansas at today's rate takes a household income of roughly $39,000 a year. That covers the full $905 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Osborne, 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.