Mortgage Calculator in Kansas

Calculate your monthly mortgage payment in Kansas using the 2026 median home price of $215K and current local rates. Adjust the inputs below to match your situation.

Kansas Housing Market at a Glance (2026)

$215K

Median Home Price

6.9%

Avg Mortgage Rate

1.41%

Property Tax Rate

10%

Typical Down Payment

Buying a Home in Kansas: Costs to Know

Average closing costs1.8% of purchase price

On a $215K home, closing costs ≈$3,870

Median household income$62,000/yr

State income tax (top rate)5.7%

First-Time Buyer Programs in Kansas

Kansas offers state-sponsored programs that can reduce your down payment or closing costs:

✓KHRC First Time Homebuyer
✓KHRC Moderate Income

How Mortgage Payments Work in Kansas

A standard mortgage payment in Kansas is calculated using the amortization formula:M = P[r(1+r)^n] / [(1+r)^n - 1]

Where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of monthly payments. On a $215K home in Kansas with a 10% down payment at 6.9% over 30 years, your principal and interest payment comes to approximately $1,274/month— not including property taxes or homeowner's insurance.

Kansas's property tax rate of 1.41% adds roughly $253/month to your total housing cost on a $215K home. This rate is near the national average of ~1.1%.

Kansas vs. National Average

Metric	Kansas	National Avg
Median Home Price	$215,000	$420,000
Property Tax Rate	1.41%	1.07%
Avg Mortgage Rate	6.9%	6.85%
Cost of Living Index	89	100

Frequently Asked Questions — Mortgage Calculator in Kansas

What is the average mortgage payment in Kansas?+

Based on the median home price of $215K in Kansas with a 10% down payment and 6.9% rate (30-year fixed), the estimated monthly principal and interest payment is approximately $1,274. Adding property taxes (~$253/mo) and homeowner's insurance, total PITI is typically $1,677–$1,777/month.

What is the property tax rate in Kansas?+

Kansas has an average effective property tax rate of 1.41%. On the median home price of $215K, that equals roughly $3,032 per year — or $253 added to your monthly mortgage payment. This is near the national average of ~1.1%.

How much down payment do I need to buy a home in Kansas?+

The typical down payment in Kansas is 10% — about $21,500 on the median $215K home. Conventional loans require as little as 3% down; FHA loans allow 3.5%. First-time buyers may also qualify for assistance through programs like KHRC First Time Homebuyer.

What are closing costs in Kansas?+

Average closing costs in Kansas are approximately 1.8% of the purchase price — about $3,870 on the median $215K home. Closing costs include lender origination fees, title insurance, escrow, prepaid interest, and government recording fees.

What income do I need to afford the median home in Kansas?+

To afford the $215K median home in Kansas under the 28% housing-cost rule, you need a gross monthly income of at least $5,989 — roughly $72K/year. The median household income in Kansas is $62,000.

Data Sources & Methodology

State data sourced from the National Association of Realtors (median home prices), Tax Foundation (property tax rates, income tax), Freddie Mac PMMS (mortgage rates), ATTOM Data Solutions (closing costs), and U.S. Census Bureau ACS (household income). Last updated 2026.