Total monthly cost of ownership
Cost to Own a Home in St. George, Kansas
A $234,000 home here costs
$2,074per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,203. The real number is $871 higher every month — 72% 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.
St. George against Pottawatomie County and Kansas
| Measure | St. George | Pottawatomie County |
|---|---|---|
| Median home value | $233,800 | $223,000 |
| Median property tax | $4,021 | $2,475 |
| Effective tax rate | 1.720% | 1.110% |
| Median gross rent | $1,292 | $1,011 |
| Population | 1,115 | 25,808 |
The weather behind that power bill
St. George sits in Pottawatomie County, which averages a high of 89.8°F in its hottest month and a low of 17.7°F in its coldest, with 34.73" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,402 cooling and 5,203 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Pottawatomie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pottawatomie County
Full Pottawatomie County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in St. George?
A $234,000 home in St. George, Kansas costs approximately $2,074 per month with 20% down at 6.66%. That is $1,203 principal and interest, $335 property tax, $136 homeowners insurance, $204 utilities and $195 set aside for maintenance.
What is the property tax rate in St. George?
St. George has an effective property tax rate of 1.720%, based on a median home value of $233,800 and median real estate taxes of $4,021. That is higher than the Pottawatomie County average of 1.110%.
What is the average home price in St. George?
The median owner-occupied home value in St. George, Kansas is $233,800, against $223,000 across Pottawatomie County.
Is it cheaper to rent or buy in St. George?
Median gross rent in St. George is $1,292 a month, against $2,074 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 St. George — 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.