Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and Montana. Updated for 2026.
Kansas wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $225K and lower overall costs, Kansas offers meaningful savings compared to Montana. Both states offer first-time buyer programs — explore the state pages for full details.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI.
Buying in Kansas saves you approximately $1,178/month ($14,136/year) compared to Montana, based on median home prices with identical loan terms.
Kansas offers meaningfully lower home prices than Montana, with median prices running 48% less ($205K difference). This gap translates to both a smaller loan and lower monthly payments. First-time buyers priced out of Montana may find Kansas far more accessible, particularly when combined with local down payment assistance programs.
Montana has a moderate property tax advantage at 0.74% versus Kansas's 1.41%. While the rate gap of 0.67% may seem small, it translates to an annual difference of approximately $10 when applied to each state's median home price. Over a typical homeownership period of 7-10 years, that adds up to $80 in savings.
Insurance costs favor Montana at $2,100/year versus $2,900/year in Kansas, a difference of $800 annually. While not the largest cost factor, this adds up to over $8K over a decade of homeownership. Shop multiple carriers in either state — actual premiums depend on your specific property, coverage level, and claims history.
Closing costs are a one-time but significant expense. Montana averages $6K in closing costs (1.5% of purchase price) while Kansas averages $3K (1.3%). The difference is spread across title insurance, attorney fees, and recording costs rather than a single large tax. Budget for these upfront costs — they affect how much cash you need on hand at closing.
Both states offer down payment assistance for first-time buyers. Kansas's KHRC First-Time Homebuyer provides Up to 4% DPA, while Montana's MBOH Regular Bond Program offers Up to $15,000 DPA. These programs can significantly reduce your upfront costs and make homeownership accessible even if you haven't saved a full 20% down payment. Check eligibility requirements on each state's housing finance agency website — income limits and purchase price caps apply.
The bottom line: Kansas homes cost $205K less than Montana on average. That translates to roughly $1,178 less per month in total housing costs if you choose Kansas. For most buyers, this price gap is the single biggest factor — it affects your loan size, monthly payment, and how quickly you build equity.