Total monthly cost of ownership
Cost to Own a Home in Winfield, Kansas
A $121,000 home here costs
$1,185per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $622. The real number is $563 higher every month — 91% 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.
Winfield against Cowley County and Kansas
| Measure | Winfield | Cowley County |
|---|---|---|
| Median home value | $121,200 | $111,600 |
| Median property tax | $2,254 | $1,878 |
| Effective tax rate | 1.860% | 1.683% |
| Median gross rent | $770 | $779 |
| Population | 11,731 | 34,487 |
The weather behind that power bill
Winfield sits in Cowley County, which averages a high of 91.9°F in its hottest month and a low of 23.7°F in its coldest, with 34.88" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 1,770 cooling and 4,199 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Cowley County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cowley County
Common questions
How much does it cost to own a home in Winfield?
A $121,000 home in Winfield, Kansas costs approximately $1,185 per month with 20% down at 6.66%. That is $622 principal and interest, $188 property tax, $71 homeowners insurance, $204 utilities and $101 set aside for maintenance.
What is the property tax rate in Winfield?
Winfield has an effective property tax rate of 1.860%, based on a median home value of $121,200 and median real estate taxes of $2,254. That is higher than the Cowley County average of 1.683%.
What is the average home price in Winfield?
The median owner-occupied home value in Winfield, Kansas is $121,200, against $111,600 across Cowley County.
Is it cheaper to rent or buy in Winfield?
Median gross rent in Winfield is $770 a month, against $1,185 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 Winfield — 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.