Total monthly cost of ownership
Cost to Own a Home in Scott City, Kansas
A $166,000 home here costs
$1,523per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $853. The real number is $670 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.
Scott City against Scott County and Kansas
| Measure | Scott City | Scott County |
|---|---|---|
| Median home value | $166,400 | $170,100 |
| Median property tax | $2,775 | $2,606 |
| Effective tax rate | 1.668% | 1.532% |
| Median gross rent | $778 | $861 |
| Population | 3,955 | 5,071 |
The weather behind that power bill
Scott City sits in Scott County, which averages a high of 92.5°F in its hottest month and a low of 15.9°F in its coldest, with 20.18" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 1,225 cooling and 5,518 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Scott County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Scott County
No other places of this size are published in Scott County.
Common questions
How much does it cost to own a home in Scott City?
A $166,000 home in Scott City, Kansas costs approximately $1,523 per month with 20% down at 6.66%. That is $853 principal and interest, $231 property tax, $97 homeowners insurance, $204 utilities and $138 set aside for maintenance.
What is the property tax rate in Scott City?
Scott City has an effective property tax rate of 1.668%, based on a median home value of $166,400 and median real estate taxes of $2,775. That is higher than the Scott County average of 1.532%.
What is the average home price in Scott City?
The median owner-occupied home value in Scott City, Kansas is $166,400, against $170,100 across Scott County.
Is it cheaper to rent or buy in Scott City?
Median gross rent in Scott City is $778 a month, against $1,523 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 Scott City — 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.