M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Overland Park, KS

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Overland Park, Kansas.

Median Home Price
$385K
Population
197K
Avg Monthly Rent
$1,450
Property Tax Rate
1.41%
Overland Park vs Kansas Median
The median home price in Overland Park is $385,000, which is 71% above the Kansas state median of $225,000.

Mortgage Calculator — Overland Park, KS

Pre-filled with Overland Park median home price and Kansas tax/insurance rates. Adjust for your property.

$
$77,000
%
%
years
KS avg
%
$
Monthly Payment (PITI)
$2,641
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,947
per month
Taxes & Insurance
$694
per month
Total Interest Paid
$393K
over 30 years
Total Loan Cost
$701K
all payments
Payment Breakdown
Loan Amount$308,000
Principal & Interest$1,947
Property Taxes$452
Homeowners Insurance$242
Total Monthly PITI$2,641

Closing Costs — Overland Park, KS

Estimated closing costs based on Kansas rates and fees applied to Overland Park prices.

$
%
Kansas: Avg closing costs 1.3% of price. Transfer tax: 0%.
Estimated Closing Costs
$13,595
3.5% of purchase price
Lender Fees
$3,197
origination, underwriting
Third-Party
$3,375
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$7,023
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,772
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,225
Recording Fee$150
Prepaid Taxes (3 mo)$1,357
Prepaid Insurance (12 mo)$2,900
Prepaid Interest (15 days)$926
Escrow Reserves$1,840
Total Closing Costs$13,595

Buying a Home in Overland Park, Kansas

The median home price in Overland Park is $385,000, 71% above the Kansas state median of $225,000. With a population of 197,238, Overland Park is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Kansas average 1.41% annually. This moderate property tax rate means a $385,000 home in Overland Park would carry roughly $452/month in property taxes. Homeowners insurance in Kansas runs approximately $2,900 per year. This is within the normal range nationally.

Average rent in Overland Park is $1,450/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Overland Park presents moderate affordability. The $385K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Overland Park.
Rent vs Buy Calculator →
Explore all of Kansas: Kansas Mortgage Calculator & Closing Costs →

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.