Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and Utah. Updated for 2026.
Kansas and Utah are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI.
Buying in Kansas saves you approximately $1,373/month ($16,476/year) compared to Utah, based on median home prices with identical loan terms.
There's a dramatic price gap between these two states. Homes in Kansas cost 53% less than in Utah — that's a difference of $255K on the median home. For buyers relocating from Utah to Kansas, this can mean upgrading significantly or pocketing substantial savings. The equity you've built in a Utah home could fund a much larger down payment in Kansas, potentially eliminating PMI and reducing your monthly payment dramatically.
Utah has a moderate property tax advantage at 0.58% versus Kansas's 1.41%. While the rate gap of 0.83% may seem small, it translates to an annual difference of approximately $389 when applied to each state's median home price. Over a typical homeownership period of 7-10 years, that adds up to $3K in savings.
Homeowners insurance is significantly cheaper in Utah ($1,200/year) compared to Kansas ($2,900/year). That's an extra $1,700 per year — or $142/month — eating into your budget in Kansas. This difference is meaningful over time and should be factored into your monthly budget projections.
Closing costs are a one-time but significant expense. Utah averages $6K in closing costs (1.3% 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 Utah's UHC FirstHome Loan offers Up to 6% DPA second. 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 $255K less than Utah on average. That translates to roughly $1,373 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.