Total monthly cost of ownership
Cost to Own a Home in Oswego, Kansas
A $81,000 home here costs
$859per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $416. The real number is $442 higher every month — 106% 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.
Oswego against Labette County and Kansas
| Measure | Oswego | Labette County |
|---|---|---|
| Median home value | $80,700 | $92,100 |
| Median property tax | $1,477 | $1,499 |
| Effective tax rate | 1.830% | 1.628% |
| Median gross rent | $690 | $729 |
| Population | 1,770 | 19,949 |
Oswego extends across 2 counties. Figures here use Labette County, where most of its housing sits.
The weather behind that power bill
Oswego sits in Labette County, which averages a high of 91.4°F in its hottest month and a low of 23.1°F in its coldest, with 37.87" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,690 cooling and 4,224 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Labette County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Labette County
Common questions
How much does it cost to own a home in Oswego?
A $81,000 home in Oswego, Kansas costs approximately $859 per month with 20% down at 6.66%. That is $416 principal and interest, $124 property tax, $47 homeowners insurance, $204 utilities and $68 set aside for maintenance.
What is the property tax rate in Oswego?
Oswego has an effective property tax rate of 1.830%, based on a median home value of $80,700 and median real estate taxes of $1,477. That is higher than the Labette County average of 1.628%.
What is the average home price in Oswego?
The median owner-occupied home value in Oswego, Kansas is $80,700, against $92,100 across Labette County.
Is it cheaper to rent or buy in Oswego?
Median gross rent in Oswego is $690 a month, against $859 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 Oswego — 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.