Kansas Mortgage Calculator

Calculate your monthly mortgage payment in Kansas. Pre-filled with Kansas's average property tax rate of 1.39%. See principal, interest, PMI, property taxes, and insurance.

$70,000

Monthly Payment Breakdown

Principal & Interest
$1,770
Property Tax
$405
Homeowner's Insurance
$100
Total Monthly Payment
$2,275

Loan Summary

Home Price
$350,000
Down Payment
$70,000
Loan Amount
$280,000
Total Interest
$357,125
Total Cost(P&I + down payment)
$707,124

See how this mortgage fits your financial plan

Your estimated payment is $2,275/month. See how it fits alongside your income, savings, investments, and other expenses over time.

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Kansas Housing Overview

Kansas has an average property tax rate of 1.39%. Kansas has a cost of living about 12% below the national average.

Property Tax: 1.39%Progressive rates up to 5.7%Kansas City metro spans two statesSocial Security taxed above $75K AGI

Buying a Home in Kansas

If you're considering buying a home in Kansas, understanding the local housing market and costs is essential. Property taxes, insurance rates, and home prices vary significantly by area within the state. This calculator pre-fills Kansas's average property tax rate of 1.39% to give you a more accurate estimate.

Kansas Property Taxes

Kansas has an average effective property tax rate of 1.39%. Property taxes are a significant component of your monthly housing cost — on a $350,000 home, a 1.39% rate means approximately $4865 per year, or $405 per month in property taxes alone.

Cost of Living in Kansas

Kansas has a cost of living about 12% below the national average. When evaluating whether to buy a home in Kansas, consider how your mortgage payment plus other housing costs fit within the recommended 28% of gross income guideline.

Financial Tips for Kansas Homebuyers

  • Kansas' progressive rates top out at 5.7% — moderate compared to coastal states
  • Kansas City metro area straddles the Missouri border — compare taxes in both states
  • Kansas has a relatively low cost of living, especially outside of Kansas City
  • Kansas taxes Social Security for higher earners above $75,000 AGI

Key Kansas Features

  • Progressive rates up to 5.7%
  • Kansas City metro spans two states
  • Social Security taxed above $75K AGI

See How Your Kansas Mortgage Fits Your Financial Plan

This calculator shows your Kansas mortgage payment. Trajectoryy's full simulator shows how that payment fits alongside your income, taxes, savings, investments, and more.

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Compare Kansas Mortgage Costs with Other States

Nebraska1.52% property taxMissouri0.97% property taxOklahoma0.87% property taxCalifornia0.71% property taxNew York1.46% property taxTexas1.80% property tax

Frequently Asked Questions

What is the average property tax rate in Kansas?
The average effective property tax rate in Kansas is approximately 1.39%. This rate is applied to the assessed value of your property, which may differ from the market value depending on Kansas's assessment practices. Property tax rates can also vary significantly by county and municipality within the state.
How much does a typical mortgage payment cost in Kansas?
Your mortgage payment in Kansas depends on the home price, your down payment, interest rate, and loan term. With Kansas's average property tax rate of 1.39%, property taxes add a meaningful amount to your monthly payment. Use the calculator above with your specific numbers to get an accurate estimate.
Is Kansas an affordable state to buy a home?
Kansas has a cost of living about 12% below the national average. When evaluating affordability in Kansas, consider not just the home price but also property taxes (1.39% average), homeowner's insurance costs, and any HOA fees common in your area.
How do Kansas property taxes compare to other states?
Kansas's average property tax rate of 1.39% can be compared against the national average of roughly 1.1%. States like New Jersey (2.23%) and Illinois (1.97%) have among the highest rates, while Hawaii (0.28%) and Alabama (0.40%) have among the lowest.
What first-time homebuyer programs are available in Kansas?
Most states, including Kansas, offer first-time homebuyer programs through their state housing finance agency. These typically include down payment assistance, below-market interest rates, and closing cost grants. Check with Kansas's housing authority and the FHA, VA, and USDA loan programs for additional options.

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