Total monthly cost of ownership
Cost to Own a Home in Oskaloosa, Kansas
A $145,000 home here costs
$1,329per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $745. The real number is $584 higher every month — 78% 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.
Oskaloosa against Jefferson County and Kansas
| Measure | Oskaloosa | Jefferson County |
|---|---|---|
| Median home value | $145,000 | $200,800 |
| Median property tax | $2,093 | $2,562 |
| Effective tax rate | 1.443% | 1.276% |
| Median gross rent | $863 | $844 |
| Population | 1,172 | 18,391 |
The weather behind that power bill
Oskaloosa sits in Jefferson County, which averages a high of 89.9°F in its hottest month and a low of 17.9°F in its coldest, with 38.34" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 1,395 cooling and 5,193 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in Oskaloosa?
A $145,000 home in Oskaloosa, Kansas costs approximately $1,329 per month with 20% down at 6.66%. That is $745 principal and interest, $174 property tax, $85 homeowners insurance, $204 utilities and $121 set aside for maintenance.
What is the property tax rate in Oskaloosa?
Oskaloosa has an effective property tax rate of 1.443%, based on a median home value of $145,000 and median real estate taxes of $2,093. That is higher than the Jefferson County average of 1.276%.
What is the average home price in Oskaloosa?
The median owner-occupied home value in Oskaloosa, Kansas is $145,000, against $200,800 across Jefferson County.
Is it cheaper to rent or buy in Oskaloosa?
Median gross rent in Oskaloosa is $863 a month, against $1,329 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 Oskaloosa — 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.