Total monthly cost of ownership
Cost to Own a Home in Stockton, Kansas
A $85,000 home here costs
$905per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $468 higher every month — 107% 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.
Stockton against Rooks County and Kansas
| Measure | Stockton | Rooks County |
|---|---|---|
| Median home value | $85,300 | $90,000 |
| Median property tax | $1,725 | $1,593 |
| Effective tax rate | 2.022% | 1.770% |
| Median gross rent | $719 | $679 |
| Population | 1,521 | 4,869 |
The weather behind that power bill
Stockton sits in Rooks County, which averages a high of 93.6°F in its hottest month and a low of 16.2°F in its coldest, with 25.38" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,352 cooling and 5,367 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Rooks County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rooks County
Common questions
How much does it cost to own a home in Stockton?
A $85,000 home in Stockton, Kansas costs approximately $905 per month with 20% down at 6.66%. That is $437 principal and interest, $143 property tax, $50 homeowners insurance, $204 utilities and $71 set aside for maintenance.
What is the property tax rate in Stockton?
Stockton has an effective property tax rate of 2.022%, based on a median home value of $85,300 and median real estate taxes of $1,725. That is higher than the Rooks County average of 1.770%.
What is the average home price in Stockton?
The median owner-occupied home value in Stockton, Kansas is $85,300, against $90,000 across Rooks County.
Is it cheaper to rent or buy in Stockton?
Median gross rent in Stockton is $719 a month, against $905 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 Stockton — 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.