Conventional Loan Calculator — Kansas
In Kansas, one-unit loans up to $832,750 are conforming. With 10% down on the typical $250,000 home, the $225,000 loan carries estimated PMI of 0.72% ($135/mo), which drops off after about 9 years once the balance reaches 80% of the price.
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.
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 |
Conventional Loan numbers for Kansas
- Typical Kansas home value
- $250,000
- 10% down ($25,000) · Zillow, August 31, 2026
- Loan amount
- $225,000
- conforming in all 105 Kansas counties
- Estimated monthly payment
- $2,327
- APR 7.488%
- Kansas property tax
- 1.21%
- $252/mo
- Homeowners insurance
- $5,260/yr
- $438/mo
- Kansas conforming limit
- $832,750
- Above this, the loan is jumbo
- PMI
- 0.72% · $135/mo
- Drops off after 9 years
How much house can you afford in Kansas with a conventional loan?
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% |
Conventional vs other loan types 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 payment on a $250,000 home with a conventional loan in Kansas?
Estimated $2,327 per month ($1,501 principal & interest, $252 property tax, $438 insurance, $135 PMI) at 7.03% for 30 years, with 10% down. APR 7.488%.
How much is PMI on a Kansas conventional loan?
At 90% loan-to-value, PMI is estimated at 0.72% a year ($135/mo). It can be removed once the balance reaches 80% of the home's original value.
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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
- 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
- CFPB — What is private mortgage insurance?
- Homeowners Protection Act (PMI cancellation at 78–80% LTV)
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.