Kansas Mortgage Rates & Home Prices (2026)
Median price: $215,000 · Avg. rate: 6.88%
Kansas Market Overview
$215,000
Median Home Price
6.88%
Avg. 30-Yr Rate
1.41%
Property Tax Rate
67.8%
Homeownership Rate
Kansas offers affordable homeownership with purchase prices well below the national median. The Kansas City metro straddles the state line, offering competitive pricing. KHRC provides down payment assistance and competitive interest rates for eligible buyers.
Estimated Monthly Payment
Median home in Kansas (20% down, 30-yr fixed)
$1,473/mo
Principal & Interest$1,130
Property Taxes$253
Home Insurance (est.)$90
Total Monthly (PITI)$1,473
Based on a $215,000 home with 20% down ($172,000 loan) at 6.88%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Kansas
- KHRC First Time Homebuyer Program
- Kansas Housing Resources Corporation DPA
- Mortgage Tax Credit
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: KS Rates
30-Year Fixed6.88%
15-Year Fixed6.12%
5/1 ARM (est.)6.13%
FHA 30-Year6.73%
VA 30-Year6.63%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: KS
FHA Loan Limit$472,030
Median Income$66,178
Cost Index0.84x