How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $72 per month ($864/year) when you move from Kansas to Missouri.
If you sell your median-priced Kansas home ($225K) and buy in Missouri ($235K):
Your Kansas equity covers the 20% down payment on a median Missouri home with $21K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $9K in housing costs alone.
Housing costs more in Missouri. The median home is 4% higher than in Kansas — a $10K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.
Good news on taxes: Missouri's 0.97% property tax rate is significantly lower than Kansas's 1.41%. You'll save approximately $893 per year on property taxes, which adds up to $9K over a decade.
You'll save on insurance moving to Missouri: $2,200/year versus $2,900/year in Kansas. That's $700 less per year in premiums, putting $58 back in your monthly budget.
When you buy in Missouri, expect about $2K in closing costs (0.9% of purchase price). Missouri has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Missouri's MHDC First Place Loan offers Up to 4% cash assistance. If you haven't owned a home in three years (or are buying in Missouri for the first time), you may qualify. Check eligibility requirements and income limits on Missouri's housing finance agency website.