Buying in Kansas: what the numbers look like
Kansas sits mid-pack for property taxes — 1.26% average effective rate (13th of 50, national average ≈ 0.94%), which works out to about $2,898 a year on the typical $230,000 home. On the insurance side, Kansas homeowners average about $4,800 a year — 79% above the 50-state average, so get quotes early; the premium can move a deal's math. Among the highest insurance costs in the nation — hail alley.
Put together at an illustrative 6.5% rate (30-year, 20% down), the typical Kansas purchase pencils out near $1,805/month: $1,163 principal & interest + $242 tax + $400 insurance. That's the number the calculator above starts from — swap in your real price, rate quote, and county figures to make it yours.
Property taxes & closing costs in Kansas
Rates vary meaningfully by county and school district within Kansas, so treat the 1.26% state average as a starting point and confirm your county's rate with the assessor before locking a budget.
Transfer tax: No real estate transfer tax (mortgage registration fee repealed in 2019). Closing costs also include lender, title, and recording fees — typically 2–5% of the price all-in.
Kansas at a glance
| Typical home value (Zillow, 2025) | $230,000 (43rd highest) |
| Avg. effective property tax (2023) | 1.26% ≈ $242/mo |
| Avg. home insurance (2025) | $4,800/yr ≈ $400/mo |
| Example payment (typical home, 6.5%, 20% down) | $1,805/mo |
Frequently asked questions
How much is the mortgage payment on a typical Kansas home?
The typical Kansas home runs about $230,000 (Zillow, 2025). With 20% down ($46,000) on a 30-year loan at an illustrative 6.5% rate, the full monthly payment is roughly $1,805 — $1,163 principal & interest, $242 property tax, and $400 insurance. Adjust every input above to match your own price and quote.
What is the property tax rate in Kansas?
Kansas's average effective rate is 1.26% of home value — the 13th highest in the nation (Tax Foundation, 2023 data). On the typical $230,000 home that is about $2,898 per year. Actual rates vary by county and city, so verify the figure for your specific address with the county assessor.
How much is homeowners insurance in Kansas?
Roughly $4,800 per year on average for $300k of dwelling coverage (Bankrate, 2025) — above the 50-state average of $2,682. Among the highest insurance costs in the nation — hail alley.
Nearby states & more tools
Compare: Nebraska mortgage calculator · Missouri mortgage calculator · Oklahoma mortgage calculator · Colorado mortgage calculator — or see all 50 states compared.
Not sure of your price range? Start with the home affordability calculator, then fine-tune here. The full mortgage calculator has extra payments and PMI controls too.
Data & sources: Property tax — Effective property tax rate on owner-occupied housing, calendar year 2023 (Tax Foundation analysis of Census ACS data, published 2025). Home value — Typical home value, Zillow Home Value Index (ZHVI), 2025, rounded to the nearest $5,000. Insurance — Average annual homeowners insurance premium for $300k dwelling coverage (Bankrate/Quadrant 2025), rounded to the nearest $50. State-level figures are planning defaults, not quotes: property taxes vary by county and city, insurance varies by home and insurer, and home values move monthly. Every value prefills the calculator but remains editable. The 6.5% rate is illustrative, not an offer or a prediction — always enter a real quote.
Disclaimer: Educational purposes only — not financial advice. See our Terms of Use.