If you’re considering moving to Kansas or are a current resident interested in the cost of living, it’s essential to understand the different factors that affect expenses. From housing and utilities to transportation and education, each aspect can significantly impact your overall budget. In this article, we’ll dive deep into all the different cost factors in Kansas to help you understand just how much it costs to live in this midwestern state.

The Top Factors That Affect Cost of Living in Kansas

Before we get into specifics, it’s important to understand the broad picture of what makes living in Kansas more or less expensive. According to recent data from the Bureau of Economic Analysis, in 2019, the average annual income in Kansas was $51,256, which is lower than the national average. However, Kansas also has a lower cost of living index than the US average. This means that while wages may be lower in Kansas, expenses are also lower.

Below, we’ve broken down the different components of expenses and how they compare to the national average (as of 2021).

Housing costs in Kansas are significantly lower than the national average. The median home value in Kansas is $161,200, compared to the national median of $295,300. Rent prices are also lower, with the average monthly rent for a one-bedroom apartment in Kansas being $679, compared to the national average of $1,097. This makes housing a much more affordable expense for those living in Kansas.

How Much Does Housing in Kansas Really Cost?

One of the biggest expenses for most people is housing. Luckily, the cost of housing in Kansas is well below the national average. The median home cost in Kansas is around $159,000, which is $50,000 less than the national median of $208,000. Renting is also more affordable in Kansas, with a median rent of $875 versus the national median rent of $1,097.

It’s important to note that housing costs vary depending on the region within Kansas. For example, the cost of living in Johnson County is higher than that of Sedgwick County. Additionally, urban areas like Wichita and Kansas City will have higher housing costs than rural areas.

Another factor that affects housing costs in Kansas is the age of the property. Older homes may require more maintenance and repairs, which can add to the overall cost of ownership. On the other hand, newer homes may have higher initial costs but require less maintenance in the long run.

Finally, it’s worth considering the amenities and features that come with a property. For example, a home with a pool or a large backyard may have a higher price tag, but could provide added value and enjoyment for the homeowner.

The Real Cost of Utilities in Kansas

Utilities are another important aspect to consider when evaluating the cost of living in Kansas. In general, Kansas has a lower cost of utility bills than the national average. The average monthly electricity bill in Kansas is around $118, compared to the national average of $125. Water bills are also lower in Kansas, with an average monthly cost of $70 in Kansas compared to the national average of $75.

However, it is important to note that natural gas bills in Kansas can be higher than the national average. The average monthly cost of natural gas in Kansas is around $80, compared to the national average of $72. This is due to the colder winters in Kansas, which require more heating. It is important to factor in the cost of natural gas when considering the overall cost of utilities in Kansas.

The Price of Transportation: Navigating Kansas Roads

Transportation costs can vary depending on whether you live in an urban or rural area. In Kansas, owning a car is essential, as public transportation is limited. However, owning a car in Kansas is more affordable than in many other states. The average car insurance rate in Kansas is around $1,000 per year, compared to the national average of $1,500. Additionally, the cost of gas in Kansas is relatively low, with the average price per gallon being $2.83, compared to the national average of $3.00.

Despite the affordability of owning a car in Kansas, the state’s roads and highways are in need of repair. According to a report by TRIP, a national transportation research group, 22% of Kansas’ major roads are in poor condition, costing drivers an average of $586 per year in additional vehicle operating costs. Additionally, Kansas has the 4th highest rate of bridges in poor condition, with 18% of bridges in need of repair or replacement.

For those who prefer alternative modes of transportation, Kansas has a growing network of bike trails and lanes. The state has over 1,000 miles of designated bike routes, including the Flint Hills Nature Trail, which spans 117 miles across eastern Kansas. Many cities in Kansas, such as Wichita and Lawrence, also have bike share programs, making it easier for residents and visitors to explore the area on two wheels.

Food and Groceries: A Breakdown of Kansas Costs

Groceries are another essential expense to consider. The cost of groceries in Kansas is below the national average. A gallon of milk in Kansas costs around $2.25, compared to the national average of $2.69. A pound of bacon costs around $4.50, compared to the national average of $5.68. Eating out is also more affordable in Kansas, with a three-course meal for two in a mid-range restaurant costing around $50, compared to the national average of $60.

It’s worth noting that the cost of groceries and dining out can vary depending on where you are in Kansas. For example, in larger cities like Wichita and Kansas City, prices may be slightly higher than in smaller towns. However, overall, Kansas remains an affordable state when it comes to food expenses.

Also read: Cost of living in Medison

Health Care and Medical Costs in Kansas

Health care costs can significantly impact your budget. In general, the cost of health care in Kansas is on par with the national average. However, health care costs can vary depending on the region and provider. If you’re planning on moving to Kansas, it’s essential to research different providers and their costs to ensure that you’re getting the best care for your budget.

It’s also important to note that Kansas has a Medicaid program that provides health care coverage to eligible low-income individuals and families. The program covers a range of services, including doctor visits, hospital stays, and prescription drugs. If you think you may be eligible for Medicaid, it’s worth looking into to help offset the cost of health care.

Taxes and Fees: What to Expect Living in Kansas

Taxes and fees can also impact your budget in Kansas. In general, Kansas has lower property taxes than the national average. However, the state has a relatively high sales tax of 6.5%, which can impact your expenses. Additionally, income taxes in Kansas range from 3.1% to 5.7%, depending on your income level.

It’s important to note that Kansas also has a few unique taxes and fees that residents should be aware of. For example, there is a statewide transient guest tax of 6.5% on hotel rooms and other lodging accommodations. Additionally, there is a 10% excise tax on liquor and a 10 cent per gallon tax on motor fuel. These taxes and fees can add up, so it’s important to factor them into your budget when living in Kansas.

Education Costs in Kansas: Public vs Private Schools

Education costs can vary depending on whether you choose to send your child to public school or private school. In general, public schools in Kansas have lower costs than private schools. The average cost of tuition and fees for Kansas public schools is around $6,240, compared to the national average of $7,670. Private schools in Kansas have an average cost of around $11,160, compared to the national average of $11,890.

However, it’s important to note that private schools may offer more financial aid and scholarships to students, which can help offset the higher costs. Additionally, private schools often have smaller class sizes and more individualized attention for students, which can lead to better academic outcomes.

Another factor to consider is the quality of education. While public schools in Kansas are required to meet certain state standards, private schools may have more flexibility in their curriculum and teaching methods. This can lead to a more specialized education for students with specific interests or needs.

Entertainment and Leisure Expenses in Kansas

It’s also important to consider entertainment and leisure expenses when evaluating your budget. Luckily, there are plenty of affordable options in Kansas. For example, admission to the Sedgwick County Zoo costs around $15, and a movie ticket costs around $9. Additionally, there are plenty of free outdoor activities, such as hiking and visiting state parks.

Finding Affordable Shopping Options in Kansas

Finally, shopping costs can impact your budget. In general, the cost of goods in Kansas is below the national average. There are plenty of affordable shopping options in Kansas, ranging from big-box stores like Walmart to discount stores like Dollar Tree.

How to Budget for Living Expenses in Kansas

Budgeting for living expenses in Kansas can seem overwhelming, but it’s essential to ensure that you’re not overspending and living beyond your means. Start by looking at your monthly income and determining how much you can comfortably afford to spend on each expense category. Be sure to leave some wiggle room for unexpected expenses or emergencies.

The Pros and Cons of Living on a Tight Budget in Kansas

Living on a tight budget in Kansas can have both pros and cons. On one hand, the lower cost of living means that you’ll be able to save more money than you would in a more expensive state. However, it’s important to ensure that you’re not sacrificing your quality of life by living on too tight of a budget.

Comparing the Cost of Living in Different Regions of Kansas

As mentioned earlier, the cost of living can vary depending on the region of Kansas that you’re living in. It’s important to research the different regions and their associated costs before making a decision on where to live.

Tips for Saving Money While Living in Kansas

There are plenty of ways to save money while living in Kansas. Some tips include buying in bulk, shopping at thrift stores, and taking advantage of free or low-cost activities. It’s also important to keep an eye out for deals and sales.

In conclusion, while the cost of living in Kansas may be lower than the national average, it’s still essential to understand the different factors that impact expenses. By evaluating each category and creating a budget, you can ensure that you’re making the most of your budget and living comfortably in the Sunflower State.