FHA Loan Calculator — Kansas
On the typical Kansas home ($250,000), 3.5% down leaves a $241,250 base loan. The 1.75% upfront premium ($4,222) is financed, for a $245,472 loan, and annual MIP of 0.55% adds $112 a month for the life of the loan. Kansas FHA limits run $541,287–$832,750 by county.
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
$2,440
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$344,236
Total Cost
$865,187
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $19,657 | $2,479 | $17,178 | $1,344 | $242,993 | $7,007 |
| Year 2 | $19,657 | $2,659 | $16,998 | $1,330 | $240,334 | $9,666 |
| Year 3 | $19,657 | $2,852 | $16,805 | $1,315 | $237,481 | $12,519 |
| Year 4 | $19,657 | $3,059 | $16,598 | $1,299 | $234,422 | $15,578 |
| Year 5 | $19,657 | $3,281 | $16,375 | $1,281 | $231,140 | $18,860 |
| Year 6 | $19,657 | $3,520 | $16,137 | $1,263 | $227,621 | $22,379 |
| Year 7 | $19,657 | $3,775 | $15,882 | $1,242 | $223,845 | $26,155 |
| Year 8 | $19,657 | $4,049 | $15,608 | $1,221 | $219,796 | $30,204 |
| Year 9 | $19,657 | $4,344 | $15,313 | $1,198 | $215,452 | $34,548 |
| Year 10 | $19,657 | $4,659 | $14,998 | $1,173 | $210,794 | $39,206 |
| Year 11 | $19,657 | $4,997 | $14,660 | $1,147 | $205,796 | $44,204 |
| Year 12 | $19,657 | $5,360 | $14,297 | $1,119 | $200,436 | $49,564 |
| Year 13 | $19,657 | $5,749 | $13,908 | $1,088 | $194,687 | $55,313 |
| Year 14 | $19,657 | $6,167 | $13,490 | $1,055 | $188,521 | $61,479 |
| Year 15 | $19,657 | $6,614 | $13,043 | $1,020 | $181,906 | $68,094 |
| Year 16 | $19,657 | $7,095 | $12,562 | $983 | $174,812 | $75,188 |
| Year 17 | $19,657 | $7,610 | $12,047 | $942 | $167,202 | $82,798 |
| Year 18 | $19,657 | $8,162 | $11,495 | $899 | $159,039 | $90,961 |
| Year 19 | $19,657 | $8,755 | $10,902 | $853 | $150,284 | $99,716 |
| Year 20 | $19,657 | $9,391 | $10,266 | $803 | $140,894 | $109,106 |
| Year 21 | $19,657 | $10,073 | $9,584 | $750 | $130,821 | $119,179 |
| Year 22 | $19,657 | $10,804 | $8,853 | $693 | $120,017 | $129,983 |
| Year 23 | $19,657 | $11,588 | $8,069 | $631 | $108,429 | $141,571 |
| Year 24 | $19,657 | $12,430 | $7,227 | $565 | $95,999 | $154,001 |
| Year 25 | $19,657 | $13,332 | $6,325 | $495 | $82,667 | $167,333 |
| Year 26 | $19,657 | $14,300 | $5,357 | $419 | $68,366 | $181,634 |
| Year 27 | $19,657 | $15,339 | $4,318 | $338 | $53,027 | $196,973 |
| Year 28 | $19,657 | $16,453 | $3,204 | $251 | $36,575 | $213,425 |
| Year 29 | $19,657 | $17,647 | $2,010 | $157 | $18,928 | $231,072 |
| Year 30 | $19,656 | $18,928 | $728 | $57 | $0 | $250,000 |
FHA Loan numbers for Kansas
- Typical Kansas home value
- $250,000
- 3.5% down ($8,750) · Zillow, August 31, 2026
- Loan amount
- $245,472
- Includes $4,222 financed UFMIP
- Estimated monthly payment
- $2,440
- APR 7.761%
- Kansas property tax
- 1.21%
- $252/mo
- Homeowners insurance
- $5,260/yr
- $438/mo
- Upfront MIP (1.75%)
- $4,222
- Financed into the loan
- Annual MIP
- 0.55%
- $112/mo in year 1 · life of loan
- Kansas FHA loan limit
- $541,287 – $832,750
- One-unit, by county
How much house can you afford in Kansas with an fha loan?
Highest price where principal, interest, Kansas property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $61,000 | $2,135 | 24% |
| $50,000 | $1,167 | $90,000 | $3,150 | 36% |
| $60,000 | $1,400 | $120,000 | $4,200 | 48% |
| $75,000 | $1,750 | $163,000 | $5,705 | 65% |
| $100,000 | $2,333 | $236,000 | $8,260 | 95% |
| $125,000 | $2,917 | $309,000 | $10,815 | 124% |
| $150,000 | $3,500 | $382,000 | $13,370 | 153% |
FHA 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 an fha loan in Kansas?
Estimated $2,440 per month ($1,638 principal & interest, $252 property tax, $438 insurance, $112 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Kansas for 2026?
Between $541,287 and $832,750 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.