Total monthly cost of ownership
Cost to Own a Home in Sabetha, Kansas
A $146,000 home here costs
$1,330per 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 $57,000 a year.
A standard mortgage calculator would have told you $796. The real number is $534 higher every month, 67% more than the payment most buyers budget for.
Compare Nemaha County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Sabetha from a five-year rolling sample, and with about 2,326 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 Nemaha 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.
Sabetha against Nemaha County and Kansas
| Measure | Sabetha | Nemaha County |
|---|---|---|
| Median home value | $146,000 | $196,100 |
| Median property tax | $1,486 | $1,917 |
| Effective tax rate | 1.018% | 0.978% |
| Median gross rent | $693 | $726 |
| Population | 2,326 | 10,213 |
Sabetha extends across 2 counties. Figures here use Nemaha County, where most of its housing sits.
The weather behind that power bill
Sabetha sits in Nemaha County, which averages a high of 89.1°F in its hottest month and a low of 17.1°F in its coldest, with 35.91" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,304 cooling and 5,375 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Nemaha County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nemaha County
Talk to someone who works this market
These are Sabetha 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 Sabetha every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Sabetha?
A $146,000 home in Sabetha, Kansas costs approximately $1,330 per month with 20% down at 7.24%. That is $796 principal and interest, $124 property tax, $85 homeowners insurance, $204 utilities and $122 set aside for maintenance.
What is the property tax rate in Sabetha?
Sabetha has an effective property tax rate of 1.018%, based on a median home value of $146,000 and median real estate taxes of $1,486. That is higher than the Nemaha County average of 0.978%.
What is the average home price in Sabetha?
The median owner-occupied home value in Sabetha, Kansas is $146,000, against $196,100 across Nemaha County.
Is it cheaper to rent or buy in Sabetha?
Median gross rent in Sabetha is $693 a month, against $1,330 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 Sabetha?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Sabetha, Kansas at today's rate takes a household income of roughly $57,000 a year. That covers the full $1,330 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sabetha, 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.