Mortgage Calculator — Kansas
Pre-filled with Kansas's average home price of $210000, property tax rate of 1.27%, and average insurance of $2000/year. Adjust any value below.
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Kansas Housing Market
Kansas offers affordable home prices with moderate property taxes. The Kansas City metro (spanning the Kansas-Missouri border) is the state's economic center. Wichita, the aviation capital, provides strong blue-collar homeownership opportunities.
Affordability in Kansas
Kansas is highly affordable relative to the national median. Overland Park — a top-rated Kansas City suburb — offers newer inventory at prices well below comparable suburban markets on the coasts.
Key Markets
First-Time Buyer Programs in Kansas
KHRC First Time Homebuyer Program
0% deferred down payment and closing cost assistance for income-qualified first-time buyers.
City down payment programs
Local down payment help in Wichita, Kansas City (KS) and Topeka. Check your city's housing office for current funding.
Programs are run by the Kansas Housing Resources Corporation (KHRC). Income limits, price limits and assistance amounts change often — confirm current terms with the agency or an approved lender.
Property Tax in Kansas
Homes are assessed at 11.5% of appraised value. Johnson County (the Kansas City suburbs) and Wichita carry the highest bills. At Kansas's average effective rate of 1.27%, a $210,000 home pays roughly $2,670/year (about $222/month).
Kansas Conforming Loan Limit
In 2026, the conforming loan limit is $832,750 in most counties. Designated high-cost areas can go up to $1,249,125. Loans above the limit are jumbo loans and usually need a larger down payment.
Closing Costs in Kansas
Kansas has no real estate transfer tax, and the mortgage registration fee was phased out in 2019. Closing costs are mostly lender, title and recording fees.
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