Rent vs. Buy in Osborne County, KS

Should you rent or buy in Osborne County? Here are the numbers.

Median Home Price

$80,600

Median Rent

$618/mo

Price-to-Rent Ratio

10.9x

Homeownership Rate

75.8%

Monthly Cost Comparison

Buying (20% down, 6.5% rate)

Mortgage (P&I)$408
Property Tax$116
Insurance$27

Total Monthly$551

Renting

Monthly Rent$618
Renter's Insurance$25

Total Monthly$643

In Osborne County, buying is approximately $67/mo cheaper than renting (before equity buildup and tax benefits).

About Osborne County, Kansas

Osborne County in Kansas has a median household income of $58,750 and an effective property tax rate of 1.7%. With a price-to-rent ratio of 10.9x, buying is likely more cost-effective for long-term residents.

These are starting estimates based on county-level medians. Your actual costs depend on the specific property, your credit score, down payment, and dozens of other variables. Our Monte Carlo simulation models 10,000 scenarios to give you probability-weighted answers, not single-point estimates.

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Other Counties in Kansas

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Federal Housing Finance Agency. Estimates are based on county-level medians and may not reflect specific neighborhoods or property types. This is not financial advice — consult a licensed professional before making housing decisions.