Kansas Mortgage Calculator (2026)

Rates as of Oct 22 2026 · county tax data: ACS 2020–2024, released 2026-01-29

Statewide avg. effective tax rate
1.29%
Median home value
$391,000
Home insurance (est.)
$3,800/yr

Estimated PITI at the Kansas median home price of $391,000, 20% down, 30-year fixed at 7.32%: $2,820/mo. The tax line uses Johnson County (Overland Park)'s effective rate of 1.14% and insurance of $3,600/yr — the calculator's default county. Buyer's transfer tax: no state transfer tax.

Payment calculator

Loan type
$
%
$78,200 cash
%
30-yr fixed base 7.32% · credit adj +0.00% → 7.32% · PMMS Oct 22 2026
Loan term
Credit score
sets local tax & insurance
Picking a county updates the local property tax rate and insurance estimate — your home price stays as entered.
Advanced — HOA & extra payments
$
$
Estimated monthly payment
$2,820.17/mo
$2,820/mo
Principal & interest$2,148.72
Property tax$371.45
Home insurance$300.00
Covers principal & interest, property tax, insurance and mortgage insurance (when it applies). HOA counts only if entered above — left blank it is $0.
Loan amount$312,800
Down payment$78,200
LTV80%
Total interest$460,739
Payoff date…
Cash to close (estimate)
Down payment$78,200
Closing costs (2%–5%)$7,820 – $19,550
Est. cash needed$86,020 – $97,750
Transfer tax: No state transfer tax
The 2%–5% covers lender & title fees only. Transfer tax is not part of the cash total — it is listed separately, and some cities levy their own on top.
Using Johnson County (Overland Park) effective rate 1.14% · insurance $3,600/yr
Amortization
Year 12
Principal paid
$55,254
Interest paid
$254,162
Still owed
$257,546
$500k$375k$250k$125k$0
08152330

All three lines are running totals since the loan started — not a breakdown of the monthly payment.

What local costs matter in Kansas?

Effective property tax rate ~1.21%, above the U.S. average
No state transfer tax — lower closing costs
Hail Alley: some of the highest home insurance premiums in the U.S.
Homestead refund program aids lower-income homeowners
All 105 Kansas counties — property tax rates
CountyEffective tax rateProperty tax /moInsurance (est.)
Johnson County (Overland Park)1.14%$$371$3,600/yr
Sedgwick County (Wichita)1.21%$$394$3,900/yr
Shawnee County (Topeka)1.5%$$489$3,700/yr
Douglas County (Lawrence)1.22%$$398$3,500/yr
Allen County1.67%$$544$3,800/yr
Anderson County1.37%$$446$3,800/yr
Atchison County1.32%$$430$3,800/yr
Barber County1.7%$$554$3,800/yr
Barton County1.68%$$547$3,800/yr
Bourbon County1.57%$$512$3,800/yr
Brown County1.24%$$404$3,800/yr
Butler County1.46%$$476$3,800/yr
Show all 105 counties
CountyEffective tax rateProperty tax /moInsurance (est.)
Chase County1.37%$$446$3,800/yr
Chautauqua County1.51%$$492$3,800/yr
Cherokee County1.22%$$398$3,800/yr
Cheyenne County1.3%$$424$3,800/yr
Clark County1.94%$$632$3,800/yr
Clay County1.32%$$430$3,800/yr
Cloud County1.7%$$554$3,800/yr
Coffey County1.09%$$355$3,800/yr
Comanche County2.16%$$704$3,800/yr
Cowley County1.65%$$538$3,800/yr
Crawford County1.06%$$345$3,800/yr
Decatur County1.79%$$583$3,800/yr
Dickinson County1.47%$$479$3,800/yr
Doniphan County1.07%$$349$3,800/yr
Edwards County1.58%$$515$3,800/yr
Elk County2.03%$$661$3,800/yr
Ellis County1.24%$$404$3,800/yr
Ellsworth County1.47%$$479$3,800/yr
Finney County1.44%$$469$3,800/yr
Ford County1.52%$$495$3,800/yr
Franklin County1.41%$$459$3,800/yr
Geary County1.45%$$472$3,800/yr
Gove County1.46%$$476$3,800/yr
Graham County1.83%$$596$3,800/yr
Grant County1.51%$$492$3,800/yr
Gray County1.49%$$485$3,800/yr
Greeley County1.89%$$616$3,800/yr
Greenwood County1.52%$$495$3,800/yr
Hamilton County1.49%$$485$3,800/yr
Harper County1.78%$$580$3,800/yr
Harvey County1.51%$$492$3,800/yr
Haskell County1.45%$$472$3,800/yr
Hodgeman County1.66%$$541$3,800/yr
Jackson County1.14%$$371$3,800/yr
Jefferson County1.26%$$411$3,800/yr
Jewell County1.93%$$629$3,800/yr
Kearny County1.05%$$342$3,800/yr
Kingman County1.74%$$567$3,800/yr
Kiowa County1.11%$$362$3,800/yr
Labette County1.65%$$538$3,800/yr
Lane County1.32%$$430$3,800/yr
Leavenworth County1.21%$$394$3,800/yr
Lincoln County1.46%$$476$3,800/yr
Linn County1.16%$$378$3,800/yr
Logan County1.64%$$534$3,800/yr
Lyon County1.55%$$505$3,800/yr
Marion County1.62%$$528$3,800/yr
Marshall County1.23%$$401$3,800/yr
McPherson County1.37%$$446$3,800/yr
Meade County1.35%$$440$3,800/yr
Miami County1.27%$$414$3,800/yr
Mitchell County1.66%$$541$3,800/yr
Montgomery County1.72%$$560$3,800/yr
Morris County1.46%$$476$3,800/yr
Morton County2.08%$$678$3,800/yr
Nemaha County0.96%$$313$3,800/yr
Neosho County1.47%$$479$3,800/yr
Ness County1.95%$$635$3,800/yr
Norton County1.7%$$554$3,800/yr
Osage County1.49%$$485$3,800/yr
Osborne County1.7%$$554$3,800/yr
Ottawa County1.66%$$541$3,800/yr
Pawnee County2.03%$$661$3,800/yr
Phillips County1.8%$$587$3,800/yr
Pottawatomie County1.14%$$371$3,800/yr
Pratt County1.74%$$567$3,800/yr
Rawlins County1.56%$$508$3,800/yr
Reno County1.63%$$531$3,800/yr
Republic County1.79%$$583$3,800/yr
Rice County1.52%$$495$3,800/yr
Riley County1.46%$$476$3,800/yr
Rooks County1.93%$$629$3,800/yr
Rush County1.87%$$609$3,800/yr
Russell County1.86%$$606$3,800/yr
Saline County1.31%$$427$3,800/yr
Scott County1.65%$$538$3,800/yr
Seward County1.67%$$544$3,800/yr
Sheridan County1.49%$$485$3,800/yr
Sherman County1.59%$$518$3,800/yr
Smith County1.83%$$596$3,800/yr
Stafford County1.59%$$518$3,800/yr
Stanton County2.46%$$802$3,800/yr
Stevens County1.88%$$613$3,800/yr
Sumner County1.58%$$515$3,800/yr
Thomas County1.41%$$459$3,800/yr
Trego County1.45%$$472$3,800/yr
Wabaunsee County1.28%$$417$3,800/yr
Wallace County1.34%$$437$3,800/yr
Washington County1.37%$$446$3,800/yr
Wichita County1.74%$$567$3,800/yr
Wilson County1.48%$$482$3,800/yr
Woodson County1.93%$$629$3,800/yr
Wyandotte County1.46%$$476$3,800/yr
Kansas state average1.29%$$420$3,800/yr
Monthly tax is estimated on a $391,000 home — the price in the calculator above. Effective rates — U.S. Census Bureau, ACS 2024 (5-yr).

† Rates marked with ≥ are conservative estimates. ACS suppresses median tax values above $10,001 for privacy, which makes the calculated rate a lower bound — the true rate is higher in Manhattan, parts of Long Island, northern New Jersey and other high-cost areas.

How Kansas compares

Kansas's statewide average effective rate is 1.29% — the 13th highest of the 51 covered here (the 50 states and DC), against a median of 0.8%. On the $391,000 home the calculator starts with, that is about $420 a month in property tax before any other cost. Property taxes by state ranks all 51 with median bills attached.

A state average hides the part that changes the bill. The county rows above run from 0.96% in Nemaha County to 2.46% in Stanton County — roughly $489 a month apart on the same $391,000 home. That is why the county picker moves the payment more than the state picker does.

Insurance is the other line that follows the address: this page prices $3,800 a year as a state-level estimate, and home insurance by state covers how premiums are set and where they run highest. Below 20% down, PMI adds a third variable until the balance is back to 80% of the value.

The states nearest Kansas in the ranking are Pennsylvania (1.3%) and Michigan (1.25%).

Kansas mortgage FAQ

How much down payment do I need to buy a house in Kansas?

Conventional loans start at 3% down, but anything under 20% requires PMI until you reach 20% equity — PMI auto-cancels at 78% of the original home value under the Homeowners Protection Act. FHA loans start at 3.5% down, and VA / USDA loans offer 0% down for eligible borrowers. Those are the national minimums: a lender can set a higher floor for this state or for a given loan size.

Why do property taxes vary so much within Kansas?

Property taxes are layered by county, city and school district, so the effective rate differs block by block. The Kansas state average is about 1.29%, but counties in our table above range widely — always confirm the exact bill with the local County Assessor.

When does PMI go away?

Under the Homeowners Protection Act (1998) you can request PMI removal at 80% LTV, and lenders must automatically cancel it when the balance reaches 78% of the original home value. This calculator estimates that month for you and shows the lower payment after PMI drops.

Does this calculator include home insurance for Kansas?

Yes. The calculator pre-fills a typical Kansas premium of about $3,800 per year and updates it when you switch counties. Dead-center Tornado Alley: hail and wind from severe thunderstorms are the dominant claims and the main reason for premiums. Get real quotes before budgeting.

More free mortgage tools

affordability calculator — how much house can I afford →refinance calculator — break-even & savings →closing cost calculator — cash to close by state →
Sources

Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue

Results are estimates for planning only and are not a loan approval. Property tax rates and insurance premiums vary by county, ZIP code, home age and coverage — confirm with the local County Assessor and insurer quotes. Rate default: Freddie Mac PMMS 30-yr fixed (7.32%, Oct 22 2026); the 20-yr default is an estimate derived from the PMMS 30-yr/15-yr spread (PMMS has no 20-yr series). Conventional credit pricing adds Fannie Mae loan-level price adjustments (effective 2026-10-01) on top of that base, anchored at the 740–759 tier, and PMI comes off a credit × LTV rate card — both are central estimates, not quotes. Loan minimums shown here are the national programs' floor; a lender may set a higher down payment, rate or fee for this state or this loan.