Total monthly cost of ownership
Cost to Own a Home in Overbrook, Kansas
A $131,000 home here costs
$1,274per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $673. The real number is $601 higher every month — 89% 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.
Overbrook against Osage County and Kansas
| Measure | Overbrook | Osage County |
|---|---|---|
| Median home value | $131,300 | $142,800 |
| Median property tax | $2,542 | $2,282 |
| Effective tax rate | 1.936% | 1.598% |
| Median gross rent | $775 | $810 |
| Population | 1,015 | 15,780 |
The weather behind that power bill
Overbrook sits in Osage County, which averages a high of 89.3°F in its hottest month and a low of 17.9°F in its coldest, with 38.85" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,316 cooling and 5,184 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Osage County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osage County
Common questions
How much does it cost to own a home in Overbrook?
A $131,000 home in Overbrook, Kansas costs approximately $1,274 per month with 20% down at 6.66%. That is $673 principal and interest, $211 property tax, $76 homeowners insurance, $204 utilities and $109 set aside for maintenance.
What is the property tax rate in Overbrook?
Overbrook has an effective property tax rate of 1.936%, based on a median home value of $131,300 and median real estate taxes of $2,542. That is higher than the Osage County average of 1.598%.
What is the average home price in Overbrook?
The median owner-occupied home value in Overbrook, Kansas is $131,300, against $142,800 across Osage County.
Is it cheaper to rent or buy in Overbrook?
Median gross rent in Overbrook is $775 a month, against $1,274 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 Overbrook — 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.