Kansas Mortgage Calculator 2026

Calculate your monthly mortgage payment for a home in Kansas (KS). The median home price in Kansas is $243,092, with an effective property tax rate of 1.3% (ranked #14 nationally). Use our free calculator to compare FHA, VA, USDA, and conventional loan options with real Kansas data.

Kansas Property Tax Information

Kansas has an effective property tax rate of 1.3%, ranking #14 among all 50 states. The median annual property tax is $2,643 ($220/month). Source: Tax Foundation 2025.

Kansas Loan Limits 2026

FHA loan limit in Kansas: $524,225 (floor) to $524,225 (ceiling for high-cost areas). Conforming loan limit: $806,500 (baseline) to $806,500 (ceiling).

Estimated Monthly Payment in Kansas

For a median-priced home of $243,092 with 20% down ($48,618), at 6.5% interest over 30 years: estimated monthly principal and interest is $1,229, plus $220 in property taxes and approximately $125 in homeowner's insurance, for a total estimated payment of approximately $1,574/month.

Kansas Closing Costs

Average closing costs in Kansas are $2,369 (0.8% of purchase price), ranked #44 nationally. Kansas does not charge a transfer tax. Source: Bankrate/LodeStar 2025.

Kansas Housing Market 2026

Home prices in Kansas have increased 3.2% year-over-year. Average days on market: 40. Inventory level: moderate. Currently considered a buyer's market.

Down Payment Assistance Programs in Kansas

Kansas offers 2 down payment assistance programs through Kansas Housing Resources Corporation (KHRC):

  • Community Housing Program (CHP) (second mortgage): Combined first and second mortgage with competitive rates. - Up to Below-market rates + DPA
  • First Time Homebuyer Program (forgivable loan): For income-eligible first-time buyers in Kansas. - Up to Up to 5% of loan amount

Contact KHRC: https://www.kshousingcorp.org | Phone: 785-217-2001

Did You Know About Kansas?

  • Kansas has no transfer tax on real estate transactions
  • Kansas City metro spans both Kansas and Missouri
  • Excellent affordability in most areas of the state
  • Strong job market in aerospace and agriculture sectors

Frequently Asked Questions About Buying a Home in Kansas

What is the average property tax rate in Kansas?

The effective property tax rate in Kansas is 1.3%, with a median annual tax of $2,643. This ranks #14 among all states.

What are the FHA loan limits in Kansas for 2026?

The FHA loan floor in Kansas is $524,225 and the ceiling is $524,225 for high-cost areas. The conforming loan limit baseline is $806,500.

How much are closing costs in Kansas?

Average closing costs in Kansas are $2,369, which is approximately 0.8% of the purchase price.

Are there first-time homebuyer programs in Kansas?

Yes, Kansas offers 2 down payment assistance programs through Kansas Housing Resources Corporation, including grants, forgivable loans, and second mortgages.

Is Kansas a good place to buy a home in 2026?

With a median home price of $243,092 and moderate inventory, Kansas is currently a buyer's market. Home prices have increased 3.2% over the past year.

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Data last updated: 2025-11. This information is for educational purposes only and should not be considered financial advice.