Total monthly cost of ownership
Cost to Own a Home in St. John, Kansas
A $91,000 home here costs
$926per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $468. The real number is $458 higher every month — 98% 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. John against Stafford County and Kansas
| Measure | St. John | Stafford County |
|---|---|---|
| Median home value | $90,900 | $96,700 |
| Median property tax | $1,504 | $1,505 |
| Effective tax rate | 1.655% | 1.556% |
| Median gross rent | $832 | $613 |
| Population | 1,247 | 4,004 |
The weather behind that power bill
St. John sits in Stafford County, which averages a high of 93.5°F in its hottest month and a low of 20.5°F in its coldest, with 28.74" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,624 cooling and 4,711 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Stafford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stafford County
No other places of this size are published in Stafford County.
Full Stafford County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in St. John?
A $91,000 home in St. John, Kansas costs approximately $926 per month with 20% down at 6.66%. That is $468 principal and interest, $126 property tax, $53 homeowners insurance, $204 utilities and $76 set aside for maintenance.
What is the property tax rate in St. John?
St. John has an effective property tax rate of 1.655%, based on a median home value of $90,900 and median real estate taxes of $1,504. That is higher than the Stafford County average of 1.556%.
What is the average home price in St. John?
The median owner-occupied home value in St. John, Kansas is $90,900, against $96,700 across Stafford County.
Is it cheaper to rent or buy in St. John?
Median gross rent in St. John is $832 a month, against $926 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. John — 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.