Total monthly cost of ownership
Cost to Own a Home in St. Marys, Kansas
A $196,000 home here costs
$1,639per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,008. The real number is $631 higher every month — 63% 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. Marys against Pottawatomie County and Kansas
| Measure | St. Marys | Pottawatomie County |
|---|---|---|
| Median home value | $196,300 | $223,000 |
| Median property tax | $1,795 | $2,475 |
| Effective tax rate | 0.914% | 1.110% |
| Median gross rent | $863 | $1,011 |
| Population | 2,795 | 25,808 |
St. Marys extends across 2 counties. Figures here use Pottawatomie County, where most of its housing sits.
The weather behind that power bill
St. Marys 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. Marys?
A $196,000 home in St. Marys, Kansas costs approximately $1,639 per month with 20% down at 6.66%. That is $1,008 principal and interest, $149 property tax, $114 homeowners insurance, $204 utilities and $163 set aside for maintenance.
What is the property tax rate in St. Marys?
St. Marys has an effective property tax rate of 0.914%, based on a median home value of $196,300 and median real estate taxes of $1,795. That is lower than the Pottawatomie County average of 1.110%.
What is the average home price in St. Marys?
The median owner-occupied home value in St. Marys, Kansas is $196,300, against $223,000 across Pottawatomie County.
Is it cheaper to rent or buy in St. Marys?
Median gross rent in St. Marys is $863 a month, against $1,639 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. Marys — 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.