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Kansas Mortgage Calculator

Use this free Kansas mortgage calculator to estimate your monthly mortgage payments and annual amortization.

Loan details

%

Monthly payment

$2,120

at 6.93% · 30-year fixed

  • Principal & interest

    $1,585

  • Property taxes

    $375

  • Homeowners insurance

    $160

Loan amount

$240,000

Total interest paid

$330,765

Payoff date

—

YOU'RE KEEPING $12,786

$12,786

stays in your pocket

That's your total savings over 30 years at today's best rate on NerdWallet (6.93%) vs. the 7.15% national average — $36 less every month.

  • Today's best rate: 6.93%

  • Get your free rate with no credit impact

Get my rate

No impact to your credit score

Calculated payments and savings are estimates. The calculator result does not constitute an offer for a loan and will not solicit a loan offer. Savings will depend on the actual amounts and rate for which you are approved, should you choose to apply.

Taking Out a Mortgage in Kansas

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Last updated November 19, 2025
Kansas is among the more affordable states in the U.S., with housing costs below national averages. In Q1 2025, the national median mortgage payment was $2,120 on a $402,300 home, according to the National Association of Realtors. Even Johnson County, the state's most populous and priciest, only edges above that at $2,495 monthly on a $425,647 median home.

Kansas mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate7.320%7.324%
20-year fixed-rate7.237%7.244%
15-year fixed-rate6.516%6.525%
7-year ARM7.667%7.331%
5-year ARM7.583%7.189%
30-year fixed-rate VA6.548%6.897%
Data source: ©Zillow, Inc. 2006 – 2026. Use is subject to the Terms of Use

Today's rate

7.324%

30-year fixed

Today's mortgage rates in Kansas are 7.324% for a 30-year fixed, 6.525% for a 15-year fixed, and 7.189% for a 5-year adjustable-rate mortgage (ARM).

Kansas' first-time home buyer programs

There are several national first-time home buyer programs that may be able to help you get into a home in Kansas.
» MORE: First-time home buyer programs by state

Average property tax by county

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Kansas. Because assessed values aren't frequently updated, you may pay a higher rate at first but eventually you'll pay a similar rate.

CountyAvg. property tax rateMedian home value
Allen County1.34%$95,700
Anderson County1.57%$141,700
Atchison County1.31%$123,400
Barber County1.38%$83,300
Barton County1.63%$113,200
Bourbon County1.42%$95,600
Brown County0.91%$108,700
Butler County1.47%$190,600
Chase County1.41%$108,300
Chautauqua County1.29%$58,400
Cherokee County1.17%$91,800
Cheyenne County1.38%$114,700
Clark County1.87%$78,500
Clay County1.32%$136,600
Cloud County1.59%$91,100
Coffey County0.94%$131,200
Comanche County1.53%$63,800
Cowley County1.19%$104,000
Crawford County1.08%$114,100
Decatur County1.38%$76,100
Dickinson County1.36%$137,000
Doniphan County1.07%$116,400
Douglas County1.20%$308,800
Edwards County1.34%$65,500
Elk County1.53%$57,100
Ellis County1.08%$199,100
Ellsworth County1.41%$109,400
Finney County1.29%$183,900
Ford County1.41%$121,500
Franklin County1.29%$175,500
Geary County1.41%$162,400
Gove County1.19%$112,800
Graham County1.70%$87,400
Grant County1.16%$147,800
Gray County1.36%$162,400
Greeley County1.87%$115,700
Greenwood County1.19%$64,900
Hamilton County1.63%$116,800
Harper County1.74%$81,000
Harvey County1.47%$160,100
Haskell County1.50%$132,500
Hodgeman County1.51%$86,100
Jackson County1.26%$169,100
Jefferson County1.16%$193,000
Jewell County1.36%$58,400
Johnson County1.17%$369,400
Kearny County1.12%$143,200
Kingman County1.49%$97,500
Kiowa County1.33%$121,600
Labette County1.33%$94,600
Lane County1.25%$82,300
Leavenworth County1.05%$261,400
Lincoln County1.63%$94,100
Linn County0.81%$148,200
Logan County1.61%$116,100
Lyon County1.42%$136,100
Marion County1.53%$114,700
Marshall County1.24%$112,300
McPherson County1.35%$180,900
Meade County1.05%$137,500
Miami County1.15%$253,100
Mitchell County1.59%$100,700
Montgomery County1.56%$90,200
Morris County1.39%$111,700
Morton County1.90%$96,000
Nemaha County0.96%$174,500
Neosho County1.43%$99,400
Ness County1.60%$80,400
Norton County1.15%$109,800
Osage County1.35%$138,400
Osborne County1.52%$80,600
Ottawa County1.37%$157,800
Pawnee County1.69%$93,800
Phillips County1.16%$95,400
Pottawatomie County1.04%$221,600
Pratt County1.60%$111,100
Rawlins County1.29%$108,500
Reno County1.55%$119,200
Republic County1.44%$71,000
Rice County1.27%$87,700
Riley County1.42%$217,900
Rooks County1.51%$88,200
Rush County1.53%$74,900
Russell County1.55%$103,500
Saline County1.35%$161,900
Scott County1.67%$166,100
Sedgwick County1.20%$197,700
Seward County1.65%$126,000
Shawnee County1.43%$166,900
Sheridan County1.45%$134,900
Sherman County1.46%$123,900
Smith County1.78%$83,900
Stafford County1.12%$96,100
Stanton County1.76%$74,000
Stevens County1.41%$133,800
Sumner County1.42%$116,400
Thomas County1.42%$165,300
Trego County1.48%$114,900
Wabaunsee County1.11%$169,600
Wallace County1.50%$96,200
Washington County1.00%$106,100
Wichita County1.58%$96,700
Wilson County1.27%$91,700
Woodson County1.49%$85,300
Wyandotte County1.38%$174,500
Source: American Communities Survey 2022, U.S. Census

How to use the mortgage calculator

To use our mortgage calculator, add your details to the following fields:
1. Home price: What you're hoping to spend on a home.
2. ZIP code: The home's location.
3. Down payment: How much cash you're paying upfront towards the home's price. This calculator defaults to showing a 20% down payment, but you can adjust it up or down by changing the dollar amount or the percentage. This calculator assumes you're using a conventional loan, so it will automatically add private mortgage insurance if the down payment amount is less than 20%.
4. Loan term: The default is 30 years, but you can also choose a shorter term.
5. Interest rate: Use today's average APR, enter the rate you've been quoted or use the lowest APR NerdWallet partners are offering today.
That's the least you can do. To get more accurate results, fill in the following four categories. (Estimates are fine, but this goes over how to get more specific numbers.)
6. Property taxes (per year): This is autofilled with an estimate, but property taxes vary tremendously throughout the country. Get more precise by looking up the tax rate where you're planning to buy or looking at the tax history for the home you're interested in. You can change the property tax amount by editing the dollar amount or the percentage.
7. Homeowners insurance (per year): Mortgage lenders require borrowers to have homeowners insurance. Not sure what you might pay? This calculator puts in an estimate, but you can use NerdWallet's home insurance calculator to fine-tune it. All you need to know is the property location and the rough amount you'd be looking to insure — use the home's price as a proxy.
8. HOA fees: If the home is part of a homeowners association, put the monthly dues here. (The calculator default is no HOA costs.) This is also information you can likely crib from a home's listing. One other note, if there are HOA fees but you're going to pay them directly rather than with an escrow account, you can omit them here.
9. PMI (monthly): If you've entered a down payment amount under 20%, this will autofill, since the calculator assumes you're using a conventional loan. PMI is tied to your credit score, so if you want a more accurate figure, pop over to NerdWallet's PMI calculator. If you're using a VA loan, you can zero this out, since VA loans do not require mortgage insurance. On the other hand, if you're getting an FHA loan, you'll have to pay mortgage insurance premiums regardless of your down payment amount. For more accurate payment info, use our FHA mortgage calculator.
The calculator's results will update as you adjust the numbers in these fields. The results show you the monthly payment, as well as:
  • Loan amount: How much you're actually borrowing in principal.
  • Total interest paid: How much interest you will pay over the life of the mortgage if you keep it until its term ends. (Most people sell or refinance well before that point, but it's still interesting info.)
  • Payoff date: If you kept the same loan for its entire term, here's the month and year when you'd own the home free and clear.
There's also a simple annual amortization schedule. Amortization shows how your mortgage payment changes over time. Even though the principal and interest payment doesn't change with a fixed-rate mortgage, the percentage of that payment that's going toward each component does. At the beginning of the loan, more goes toward interest; the closer to the end of the loan's term, the more of the payment goes toward principal. If you want a more detailed month-by-month look, yes, NerdWallet has an amortization calculator, too.
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CONSIDERING A REFI? If you're looking to see how much you could save by refinancing your mortgage, try NerdWallet's refinance calculator.
» MORE FOR CANADIAN READERS: Canada mortgage payment calculator