Kansas mortgage calculator
Estimate your monthly payment for a home in Kansas, with property tax at the state average of 1.29% and home insurance included. Rates use the 7.4% national 30-year average from Freddie Mac (week of October 8, 2026).
Estimated monthly payment
- Loan amount
- $173,760
- Down payment
- $43,440
- Interest over 30 years
- $259,348
- Income needed (28% guideline)
- $64,671 a year
Estimate only. Mortgage insurance (PMI) is added when the down payment is under 20%. Real taxes, insurance and lender fees vary by property.
How this is calculated. Principal and interest use the standard fixed-rate loan formula. Property tax uses the Kansas average effective rate: the median real estate tax paid divided by the median home value. Home insurance is a general estimate that you can change.
Sources: Freddie Mac mortgage rate survey, week of October 8, 2026; U.S. Census Bureau American Community Survey, 2020–2024. Updated October 2026. Full methodology.
What a typical home costs per month in Kansas
A home valued at the Kansas median of $217,200 (the Census Bureau's figure for owner-occupied homes), bought with 20% down at 7.4% over 30 years, comes to about $1,509 a month. That is $1,203 in principal and interest, $233 in property tax and $72 in insurance.
Over a year that is 24.4% of the state's median household income of $74,275. Keeping housing costs near 28% of gross income would take a household income of about $64,671.
Property tax in Kansas
Kansas has the 13th highest effective property tax rate of the 50 states at 1.29%, above the typical state rate of 0.80%. The median Kansas homeowner pays $2,798 a year.
| Home price | Tax per year | Tax per month |
|---|---|---|
| $200,000 | $2,576 | $215 |
| $300,000 | $3,865 | $322 |
| $400,000 | $5,153 | $429 |
| $500,000 | $6,441 | $537 |
| $750,000 | $9,662 | $805 |
These figures apply the statewide average rate. Rates differ between counties and taxing districts, and some homes qualify for exemptions.
States with similar property tax rates
- Iowa1.39% (10th highest)
- Ohio1.31% (11th highest)
- Pennsylvania1.30% (12th highest)
- Michigan1.25% (14th highest)
- Rhode Island1.21% (15th highest)
- Alaska1.11% (16th highest)
Questions about Kansas mortgage payments
What is the property tax rate in Kansas?
The average effective property tax rate in Kansas is 1.29%. Census Bureau data shows homeowners paid a median of $2,798 a year on homes with a median value of $217,200. Your own rate depends on your county, city and school district.
How much is the monthly mortgage payment on a median-value home in Kansas?
About $1,509 a month including property tax and insurance, assuming 20% down at 7.4% on a 30-year loan. Principal and interest alone come to $1,203.
How much income do I need to buy a home in Kansas?
A common guideline keeps housing costs under 28% of gross income. For the median-value home above, that works out to about $64,671 a year. Lenders also look at debts, credit score and savings, so your own number may differ.
Does this calculator include property tax and insurance?
Yes. It adds property tax at 1.29% of the home price and home insurance at 0.4% of the home price as a starting estimate. Change either number to match a real quote. Mortgage insurance is added automatically when the down payment is under 20%.
Last updated October 2026. See the methodology for sources and limits.