Kansas Mortgage Calculator
Kansas has the 13th-highest effective property tax rate of the 50 states at 1.21% — $750 more a year than the 0.91% state average on a $250,000 home. Homeowners insurance averages $5,260 a year, the 3rd-highest premium nationally and $2,540 more than the typical state.
All 105 Kansas counties use the $832,750 baseline conforming limit for 2026, so any one-unit loan above it is a jumbo loan. FHA limits run from $541,287 to $832,750 by county.
On a $250,000 home, property tax and insurance add $690 a month in Kansas, compared with $517 in Missouri, $518 in Colorado, $582 in Oklahoma, $679 in Nebraska.
Loan Parameters
Total Monthly Payment
$2,327
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$315,525
Total Cost
$802,573
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $18,018 | $2,272 | $15,745 | $1,620 | $222,728 | $27,272 |
| Year 2 | $18,018 | $2,437 | $15,580 | $1,620 | $220,290 | $29,710 |
| Year 3 | $18,018 | $2,614 | $15,403 | $1,620 | $217,676 | $32,324 |
| Year 4 | $18,018 | $2,804 | $15,213 | $1,620 | $214,871 | $35,129 |
| Year 5 | $18,018 | $3,008 | $15,010 | $1,620 | $211,864 | $38,136 |
| Year 6 | $18,018 | $3,226 | $14,791 | $1,620 | $208,637 | $41,363 |
| Year 7 | $18,018 | $3,461 | $14,557 | $1,620 | $205,177 | $44,823 |
| Year 8 | $18,018 | $3,712 | $14,306 | $1,620 | $201,465 | $48,535 |
| Year 9 | $18,018 | $3,981 | $14,036 | $540 | $197,484 | $52,516 |
| Year 10 | $18,018 | $4,270 | $13,747 | — | $193,213 | $56,787 |
| Year 11 | $18,018 | $4,580 | $13,437 | — | $188,633 | $61,367 |
| Year 12 | $18,018 | $4,913 | $13,105 | — | $183,720 | $66,280 |
| Year 13 | $18,018 | $5,270 | $12,748 | — | $178,450 | $71,550 |
| Year 14 | $18,018 | $5,652 | $12,365 | — | $172,798 | $77,202 |
| Year 15 | $18,018 | $6,063 | $11,955 | — | $166,735 | $83,265 |
| Year 16 | $18,018 | $6,503 | $11,515 | — | $160,232 | $89,768 |
| Year 17 | $18,018 | $6,975 | $11,042 | — | $153,256 | $96,744 |
| Year 18 | $18,018 | $7,482 | $10,536 | — | $145,775 | $104,225 |
| Year 19 | $18,018 | $8,025 | $9,993 | — | $137,750 | $112,250 |
| Year 20 | $18,018 | $8,608 | $9,410 | — | $129,142 | $120,858 |
| Year 21 | $18,018 | $9,233 | $8,785 | — | $119,909 | $130,091 |
| Year 22 | $18,018 | $9,903 | $8,115 | — | $110,006 | $139,994 |
| Year 23 | $18,018 | $10,622 | $7,395 | — | $99,384 | $150,616 |
| Year 24 | $18,018 | $11,393 | $6,624 | — | $87,991 | $162,009 |
| Year 25 | $18,018 | $12,221 | $5,797 | — | $75,770 | $174,230 |
| Year 26 | $18,018 | $13,108 | $4,910 | — | $62,662 | $187,338 |
| Year 27 | $18,018 | $14,060 | $3,958 | — | $48,602 | $201,398 |
| Year 28 | $18,018 | $15,081 | $2,937 | — | $33,522 | $216,478 |
| Year 29 | $18,018 | $16,176 | $1,842 | — | $17,346 | $232,654 |
| Year 30 | $18,013 | $17,346 | $667 | — | $0 | $250,000 |
Kansas mortgage data
- Typical home value
- $249,603
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 1.21%
- $3,025/yr on a $250,000 home
- Average homeowners insurance
- $5,260/yr
- $438/mo
- 2026 conforming loan limit
- $832,750
- 105 counties
- High-cost counties
- 0
- None — baseline limit statewide
- 2026 FHA loan limit (1-unit)
- $541,287 – $832,750
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Kansas?
Highest price where principal, interest, Kansas property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $96,000 | $9,600 | 38% |
| $75,000 | $1,750 | $173,000 | $17,300 | 69% |
| $100,000 | $2,333 | $250,000 | $25,000 | 100% |
| $125,000 | $2,917 | $328,000 | $32,800 | 131% |
| $150,000 | $3,500 | $405,000 | $40,500 | 162% |
| $200,000 | $4,667 | $559,000 | $55,900 | 224% |
| $250,000 | $5,833 | $714,000 | $71,400 | 286% |
Kansas mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Kansas property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,628 | $70,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,827 | $79,000 | Conforming |
| $200,000 mortgage | $1,335 | $2,025 | $87,000 | Conforming |
| $225,000 mortgage | $1,501 | $2,223 | $96,000 | Conforming |
| $250,000 mortgage | $1,668 | $2,422 | $104,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,620 | $113,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,818 | $121,000 | Conforming |
| $325,000 mortgage | $2,169 | $3,017 | $130,000 | Conforming |
| $350,000 mortgage | $2,336 | $3,215 | $138,000 | Conforming |
| $375,000 mortgage | $2,502 | $3,413 | $147,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,612 | $155,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,810 | $164,000 | Conforming |
| $450,000 mortgage | $3,003 | $4,008 | $172,000 | Conforming |
| $475,000 mortgage | $3,170 | $4,207 | $181,000 | Conforming |
| $500,000 mortgage | $3,337 | $4,405 | $189,000 | Conforming |
| $525,000 mortgage | $3,503 | $4,603 | $198,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,802 | $206,000 | Conforming |
| $575,000 mortgage | $3,837 | $5,000 | $215,000 | Conforming |
| $600,000 mortgage | $4,004 | $5,198 | $223,000 | Conforming |
| $625,000 mortgage | $4,171 | $5,397 | $232,000 | Conforming |
| $650,000 mortgage | $4,338 | $5,595 | $240,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,794 | $249,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,992 | $257,000 | Conforming |
| $725,000 mortgage | $4,838 | $6,190 | $266,000 | Conforming |
| $750,000 mortgage | $5,005 | $6,389 | $274,000 | Conforming |
| $775,000 mortgage | $5,172 | $6,587 | $283,000 | Conforming |
| $800,000 mortgage | $5,339 | $6,785 | $291,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,984 | $300,000 | Conforming |
| $850,000 mortgage | $5,672 | $7,182 | $308,000 | Jumbo |
| $875,000 mortgage | $5,839 | $7,380 | $317,000 | Jumbo |
| $900,000 mortgage | $6,006 | $7,579 | $325,000 | Jumbo |
| $925,000 mortgage | $6,173 | $7,777 | $334,000 | Jumbo |
| $950,000 mortgage | $6,340 | $7,975 | $342,000 | Jumbo |
| $975,000 mortgage | $6,506 | $8,174 | $351,000 | Jumbo |
| $1,000,000 mortgage | $6,673 | $8,372 | $359,000 | Jumbo |
| $1,100,000 mortgage | $7,341 | $9,165 | $393,000 | Jumbo |
| $1,200,000 mortgage | $8,008 | $9,959 | $427,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $10,752 | $461,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $11,545 | $495,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $12,339 | $529,000 | Jumbo |
Loan programs compared in Kansas
$250,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $25,000 | $225,000 | — | $135 PMI | $2,327 | 7.488% |
| FHA | 3.5% · $8,750 | $245,472 | UFMIP $4,222 | $112 MIP | $2,440 | 7.761% |
| VA | 0% · $0 | $255,375 | Funding fee $5,375 | $0 | $2,395 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $50,000 | $200,000 | — | $0 | $2,025 | 7.030% |
Frequently asked questions
What is the monthly mortgage payment on a $250,000 home in Kansas?
$250,000 is the typical Kansas home value. With 10% down on a conventional loan, the estimated payment is $2,327 per month ($1,501 principal & interest, $252 property tax, $438 insurance, $135 PMI) at 7.03% for 30 years, including Kansas's 1.21% effective property tax rate.
What is the 2026 conforming loan limit in Kansas?
$832,750 for a one-unit home in all 105 counties. Larger loans are jumbo loans.
How much income do I need for a $250,000 home in Kansas?
About $100,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Kansas on a $100,000 salary?
About $250,000 with 10% down, keeping the payment (including Kansas property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Kansas home ($249,603) needs roughly $100,000 a year.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.