Total monthly cost of ownership
Cost to Own a Home in Salina, Kansas
A $165,000 home here costs
$1,475per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $627 higher every month — 74% 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.
Salina against Saline County and Kansas
| Measure | Salina | Saline County |
|---|---|---|
| Median home value | $164,500 | $171,900 |
| Median property tax | $2,259 | $2,283 |
| Effective tax rate | 1.373% | 1.328% |
| Median gross rent | $911 | $915 |
| Population | 46,432 | 53,801 |
The weather behind that power bill
Salina sits in Saline County, which averages a high of 92.8°F in its hottest month and a low of 20.1°F in its coldest, with 29.69" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,624 cooling and 4,931 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Saline County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Saline County
No other places of this size are published in Saline County.
Common questions
How much does it cost to own a home in Salina?
A $165,000 home in Salina, Kansas costs approximately $1,475 per month with 20% down at 6.66%. That is $848 principal and interest, $189 property tax, $96 homeowners insurance, $204 utilities and $138 set aside for maintenance.
What is the property tax rate in Salina?
Salina has an effective property tax rate of 1.373%, based on a median home value of $164,500 and median real estate taxes of $2,259. That is higher than the Saline County average of 1.328%.
What is the average home price in Salina?
The median owner-occupied home value in Salina, Kansas is $164,500, against $171,900 across Saline County.
Is it cheaper to rent or buy in Salina?
Median gross rent in Salina is $911 a month, against $1,475 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 Salina — 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.