Total monthly cost of ownership
Cost to Own a Home in Valley Center, Kansas
A $214,000 home here costs
$1,965per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $84,000 a year.
A standard mortgage calculator would have told you $1,185. The real number is $780 higher every month, 66% more than the payment most buyers budget for.
Compare Sedgwick County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Valley Center against Sedgwick County and Kansas
| Measure | Valley Center | Sedgwick County |
|---|---|---|
| Median home value | $214,300 | $190,700 |
| Median property tax | $3,300 | $2,345 |
| Effective tax rate | 1.540% | 1.230% |
| Median gross rent | $1,017 | $977 |
| Population | 8,937 | 524,810 |
The weather behind that power bill
Valley Center sits in Sedgwick County, which averages a high of 92.6°F in its hottest month and a low of 22.5°F in its coldest, with 34.31" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,774 cooling and 4,414 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Sedgwick County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sedgwick County
Full Sedgwick County cost breakdown · Every county in Kansas
Talk to someone who works this market
These are Valley Center 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 Valley Center every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Valley Center I already own here and may sell
Common questions
How much does it cost to own a home in Valley Center?
A $214,000 home in Valley Center, Kansas costs approximately $1,965 per month with 20% down at 7.4%. That is $1,185 principal and interest, $275 property tax, $125 homeowners insurance, $202 utilities and $178 set aside for maintenance.
What is the property tax rate in Valley Center?
Valley Center has an effective property tax rate of 1.540%, based on a median home value of $214,300 and median real estate taxes of $3,300. That is higher than the Sedgwick County average of 1.230%.
What is the average home price in Valley Center?
The median owner-occupied home value in Valley Center, Kansas is $214,300, against $190,700 across Sedgwick County.
Is it cheaper to rent or buy in Valley Center?
Median gross rent in Valley Center is $1,017 a month, against $1,965 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 Valley Center?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Valley Center, Kansas at today's rate takes a household income of roughly $84,000 a year. That covers the full $1,965 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Valley Center, 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.