Kansas Mortgage Calculator
Estimate your monthly mortgage payment in Kansas based on the state median home price of $225K, a 1.41% property tax rate, and $3K/year homeowners insurance.
Why This Matters in Kansas
In Kansas, property taxes average 1.41% of assessed value. On the state median home of $225K, that adds $264/month to your mortgage payment — close to the national average. Combined with $242/month for homeowners insurance, your non-mortgage housing costs in Kansas total $506/month before you even account for principal and interest.
Kansas's median home price of $225K makes it one of the more affordable states to buy in. At this price point, FHA loans with 3.5% down require just $7,875 for a down payment.
What to Expect for a Mortgage Payment in Kansas
On the median Kansas home priced at $225K, a buyer putting 10% down at a 6.5% rate would face a principal-and-interest payment of roughly $1,280 per month. Add $264/mo in property taxes and $242/mo for homeowners insurance, and the total PITI comes to approximately $1,786 each month. That median price sits about 36% below the national median of roughly $350K, which directly shapes how much house most Kansas borrowers can realistically target.
Kansas's comparatively affordable housing market gives buyers a meaningful advantage. At a $225K median, FHA loans with just 3.5% down require only $8K upfront — well within reach for many first-time buyers. Even conventional loans at 5% down need just $11K. The lower price point also means private mortgage insurance (PMI) costs less in absolute terms, keeping the total monthly payment manageable.
Homeowners insurance in Kansas averages around $3K per year, which adds $242 to the monthly PITI. This is manageable relative to many other states. To bring the total payment down further, consider the KHRC First-Time Homebuyer program, which offers up to 4% dpa for qualifying buyers — reducing the down payment barrier and potentially lowering your loan amount.