Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and Texas. Updated for 2026.
Kansas wins 5 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 Texas. 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 $791/month ($9,492/year) compared to Texas, based on median home prices with identical loan terms.
Kansas offers meaningfully lower home prices than Texas, with median prices running 27% less ($85K difference). This gap translates to both a smaller loan and lower monthly payments. First-time buyers priced out of Texas may find Kansas far more accessible, particularly when combined with local down payment assistance programs.
Kansas has a moderate property tax advantage at 1.41% versus Texas's 1.8%. While the rate gap of 0.39% may seem small, it translates to an annual difference of approximately $2,408 when applied to each state's median home price. Over a typical homeownership period of 7-10 years, that adds up to $19K in savings.
Insurance costs favor Kansas at $2,900/year versus $3,800/year in Texas, a difference of $900 annually. While not the largest cost factor, this adds up to over $9K over a decade of homeownership. Shop multiple carriers in either state — actual premiums depend on your specific property, coverage level, and claims history.
Both states offer down payment assistance for first-time buyers. Kansas's KHRC First-Time Homebuyer provides Up to 4% DPA, while Texas's TDHCA My First Texas Home offers Up to 5% DPA grant. 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 and Texas are broadly similar in housing costs, with only $791/month separating them in total PITI payments. In cases like this, your decision should be driven by lifestyle preferences — job opportunities, climate, proximity to family, and quality of life — rather than pure cost savings. Either state offers a reasonable path to homeownership.