Total monthly cost of ownership
Cost to Own a Home in St. George, Kansas
A $234,000 home here costs
$2,146per 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 $92,000 a year.
A standard mortgage calculator would have told you $1,276. The real number is $870 higher every month, 68% more than the payment most buyers budget for.
Compare Pottawatomie County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for St. George from a five-year rolling sample, and with about 1,115 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 Pottawatomie 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.
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
Talk to someone who works this market
These are St. George 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 St. George every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in St. George I already own here and may sell
Common questions
How much does it cost to own a home in St. George?
A $234,000 home in St. George, Kansas costs approximately $2,146 per month with 20% down at 7.24%. That is $1,276 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 $2,146 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 St. George?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. George, Kansas at today's rate takes a household income of roughly $92,000 a year. That covers the full $2,146 monthly cost, not just the mortgage payment.
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.