Calculate Your Kansas Mortgage Payment
Our calculator is pre-filled with Kansas's median home price and property tax rate. Adjust the numbers to match your situation.
Open Calculator with KS DefaultsMonthly Payment Breakdown for Kansas
Here's what your monthly payment looks like on the median Kansas home ($252,794) with 20% down at 6.67%, the current average 30-year rate:
Note: This estimate assumes 20% down payment ($50,559), no PMI. With less than 20% down, add $84-$169/month for PMI.
Compare Current Mortgage Offers
Advertiser Disclosure: The offers below come from our advertising partner. We may earn a commission when you engage with them. The Kansas data on this page is independent of these offers.
Kansas Property Taxes
Kansas's effective property tax rate is 1.19%, which is above the national average of 0.89%. See how property taxes are calculated and how they compare across states.
Annual Property Tax on $252,794 Home
$3,008
($251/month escrowed)
Buying a Home in Kansas: Key Facts
- Property tax rate of 1.19% is above national average
- Affordable median home price of $235,000
- Kansas City metro spans both Kansas and Missouri
- KHRC 20% program offers substantial assistance for low-income buyers
Mortgage Calculators for Nearby States
Comparing homes across state lines? Check property taxes and home prices in neighboring states:
Kansas First-Time Homebuyer Programs
Kansas has 30 homebuyer assistance programs that can help with down payment and closing costs.
KHRC First-Time Homebuyer Program
Below-market 30-year fixed rates
Low-Interest MortgageKHRC 20% Cash Assistance
Up to 20% of purchase price for low-income buyers
Deferred LoanKansas Housing Mortgage Credit Certificate
Up to 25% of annual mortgage interest as tax credit
Tax CreditEligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.
Major Cities in Kansas
Home prices and property taxes can vary significantly by city. The median home value of $252,794 is a statewide estimate.
Kansas Mortgage FAQ
What is the property tax rate in Kansas?
The average effective property tax rate in Kansas is 1.19%. On a $252,794 home, that's approximately $3,008 per year or $251 per month added to your mortgage payment.
What is the median home value in Kansas?
The median home value in Kansas is $252,794 as of 2026-06-01. Prices vary by location - Wichita and Overland Park typically have higher prices than rural areas.
Are there first-time homebuyer programs in Kansas?
Yes, Kansas has 30 homebuyer assistance programs. Popular options include KHRC First-Time Homebuyer Program, which offers below-market 30-year fixed rates.
How much do I need to buy a house in Kansas?
For the median Kansas home ($252,794), you'd need $50,559 for a 20% down payment, plus $7,584-$12,640 for closing costs. With down payment assistance, you could potentially buy with as little as $8,848 (3.5% FHA down payment).
Ready to Calculate?
Use our free mortgage calculator with Kansas property taxes pre-filled.
Calculate Your KS Mortgage Payment