2026 data · 1.31% property tax · Median home $191,800
Kansas Mortgage Calculator
A median-priced home in Kansas ($191,800) costs roughly $1,430 per month all-in (PITI), assuming 20% down and a 30-year fixed at 7.0%. Kansas's effective property tax rate is 1.31% — close to the US average of about 1.0%.
Kansas median-home monthly payment
$1,430/mo
P&I $1,021 · Tax $209 · Insurance $200
@ $191,800 price, 20% down, 30-yr fixed at 7.0%
For a custom calculation with your specific numbers (different down payment, rate, term, or home price), use the main mortgage calculator — it includes a full amortization schedule.
Monthly payments at common home prices in Kansas
| Home price | 20% down | P&I | Prop tax | Insurance | Total PITI/mo |
|---|---|---|---|---|---|
| $191,800 (state median) | $38,360 | $1,021 | $209 | $200 | $1,430 |
| $200,000 | $40,000 | $1,064 | $218 | $208 | $1,491 |
| $300,000 | $60,000 | $1,597 | $328 | $313 | $2,237 |
| $400,000 | $80,000 | $2,129 | $437 | $417 | $2,982 |
| $500,000 | $100,000 | $2,661 | $546 | $521 | $3,728 |
| $750,000 | $150,000 | $3,992 | $819 | $781 | $5,592 |
Calculations use Kansas's 1.31% effective property tax rate, estimated homeowners insurance at 1.25%/year of home value, 30-year fixed at 7.0%, no PMI (20% down). Closing costs not included.
Kansas property tax
Effective rate
1.31%
Median home value
$191,800
Median property tax
$2,510/yr
Kansas property tax rates are higher than the national average. Homestead refund available for residents who meet age (55+) or disability requirements.
See our property tax calculator for a state-by-state property tax breakdown, and our Kansas paycheck calculator to estimate take-home pay against this monthly housing cost.
Kansas vs neighboring states
| State | Property tax rate | Median home | Median tax/yr | |
|---|---|---|---|---|
| Kansas (this page) | 1.31% | $191,800 | $2,510 | |
| Nebraska | 1.57% | $210,100 | $3,340 | Nebraska mortgage → |
| Missouri | 0.88% | $207,400 | $1,808 | Missouri mortgage → |
| Oklahoma | 0.85% | $174,600 | $1,470 | Oklahoma mortgage → |
| Colorado | 0.51% | $479,900 | $2,470 | Colorado mortgage → |
FAQs about Kansas mortgages
What is the property tax rate in Kansas?
Kansas's effective property tax rate is 1.31%, meaning the average homeowner pays roughly 1.31% of their home's value in property tax annually. On a $191,800 home (the state median), that's about $2,510 per year, or $209 per month added to your mortgage payment.
What is the average monthly mortgage payment in Kansas?
For a home at Kansas's median value of $191,800, assuming 20% down, a 30-year fixed mortgage at 7.0%, and Kansas's 1.31% property tax + estimated insurance, the typical monthly PITI payment is approximately $1,430. This includes $1,021 principal & interest, $209 property tax, and $200 homeowners insurance.
How much income do I need to buy a house in Kansas?
Using the standard 28% front-end DTI rule, you'd need annual income of approximately $61,286 to comfortably afford Kansas's median-priced home. Lenders typically allow up to 43% total DTI (including all debts), which corresponds to about $39,907 annual income at the maximum end. Your specific qualification depends on credit score, down payment, debts, and lender requirements.
Is Kansas a good state to buy a house?
Kansas's combination of 1.31% property tax (near the national average of ~1.0%) and median home value of $191,800 make it one of the more affordable states for homeowners. Kansas property tax rates are higher than the national average.
How does Kansas property tax compare to neighboring states?
Kansas's 1.31% rate compares to: Nebraska at 1.57%, Missouri at 0.88%, Oklahoma at 0.85%, Colorado at 0.51%. Property taxes can differ substantially between bordering states — moving 30 miles across a state line can change your annual tax bill by thousands.
Does Kansas have a homestead exemption?
Kansas property tax rates are higher than the national average. Homestead refund available for residents who meet age (55+) or disability requirements.
What's included in PITI?
PITI stands for Principal, Interest, Taxes, and Insurance — the four standard components of a mortgage payment. For your Kansas mortgage, the breakdown on a median-priced home would be: Principal & Interest $1,021, Property Tax $209, Homeowners Insurance $200. Add PMI if your down payment is under 20%, and HOA fees if your home is in a community with one.