Total monthly cost of ownership
Cost to Own a Home in Stockton, Kansas
A $85,000 home here costs
$931per 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 $40,000 a year.
A standard mortgage calculator would have told you $463. The real number is $467 higher every month, 101% more than the payment most buyers budget for.
Compare Rooks County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Stockton from a five-year rolling sample, and with about 1,521 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 Rooks 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.
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
Talk to someone who works this market
These are Stockton 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 Stockton every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Stockton I already own here and may sell
Common questions
How much does it cost to own a home in Stockton?
A $85,000 home in Stockton, Kansas costs approximately $931 per month with 20% down at 7.24%. That is $463 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 $931 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 Stockton?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Stockton, Kansas at today's rate takes a household income of roughly $40,000 a year. That covers the full $931 monthly cost, not just the mortgage payment.
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.