Kansas · KS

Kansas Mortgage Calculator

Pre-filled for Kansas: median home price $235,000, average property tax rate 1.34%. Adjust any slider to make it yours.

Kansas housing at a glance

Median home price: $235,000
Effective property tax rate: 1.34% / yr
Annual property tax (median home): $3,149
Est. monthly tax escrow: $262
State income tax: Yes

Sources: regional housing data 2025 (median price), state assessor averages 2024–2025 (tax rate).

Buying a home in Kansas

The median home price in Kansas is around $235,000 and the effective property tax rate averages 1.34%of assessed value per year. Most lenders look for a debt-to-income (DTI) ratio under 43%, meaning your total monthly debt payments (including this mortgage) shouldn't exceed 43% of your gross income.

A 20% down payment on the median home in Kansas is $47,000. Putting down at least 20% eliminates private mortgage insurance (PMI), which typically adds 0.3–1.5% of the loan amount per year to your monthly payment.

Transfer tax & closing costs in Kansas

Kansas has no real estate transfer tax, but does charge a mortgage registration fee of $0.10 per $100 financed (recently capped).

Beyond transfer taxes, total closing costs in Kansastypically range from 2–5% of the purchase price — including lender origination fees, title insurance, appraisal, and prepaid interest. On the median home that's roughly $4,700–$11,750.

Foreclosure & legal context

Foreclosure type: Judicial (court-supervised)
Security instrument: Mortgage
Deficiency liability: Recourse

Kansas mortgage FAQ

What is the monthly mortgage payment for a median-priced home in Kansas?: At the current 30-year fixed rate of ~6.81%, a $235,000 home in Kansas with 20% down ($47,000) carries a principal-and-interest payment of ~$1,227/mo. Add property tax (~$262/mo at 1.34%) and homeowners insurance and your total is roughly $1,489/mo. Use the calculator above to adjust for your exact down payment and rate.
What is the property tax rate in Kansas?: The effective statewide property tax rate in Kansas averages 1.34% of assessed value per year. On a $235,000 home, that works out to roughly $3,149 per year ($262/mo). Individual county rates vary.
Does Kansas have a state income tax?: Yes, Kansas has a state income tax. This affects your net take-home pay and therefore your effective purchasing power — use our salary calculator to estimate what's left after tax.
What are the closing costs and transfer taxes in Kansas?: Kansas has no real estate transfer tax, but does charge a mortgage registration fee of $0.10 per $100 financed (recently capped).
What type of foreclosure does Kansas use?: Kansas uses judicial foreclosure, meaning a lender must file a lawsuit and obtain a court judgment before selling a property.

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