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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

$2,140

at 7.05% · 30-year fixed

  • Principal & interest

    $1,605

  • Property taxes

    $375

  • Homeowners insurance

    $160

Loan amount

$240,000

Total interest paid

$337,726

Payoff date

—

YOU'RE KEEPING $4,659

$4,659

stays in your pocket

That's your total savings over 30 years at today's best rate on NerdWallet (7.05%) vs. the 7.13% national average — $13 less every month.

  • Today's best rate: 7.05%

  • 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-rate7.346%7.353%
20-year fixed-rate7.212%7.219%
15-year fixed-rate6.500%6.510%
7-year ARM7.583%7.287%
5-year ARM7.583%7.189%
30-year fixed-rate VA6.575%6.925%
Data source: ©Zillow, Inc. 2006 – 2026. Use is subject to the Terms of Use

Today's rate

7.353%

30-year fixed

Today's mortgage rates in Kansas are 7.353% for a 30-year fixed, 6.510% 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
  2. Down payment
  3. Interest rate
  4. Loan term (years)
After you enter this information, the calculator displays the monthly payment, as well as:
  • Total principal
  • Total interest payments
  • Payoff date
Video thumbnail

Calculating costs in addition to principal and interest

The calculator lets you fine-tune your payment by entering your annual property tax premium, annual home insurance premium, monthly homeowner association (HOA) fee, and monthly private mortgage insurance (PMI) premium.
To enter this information, click “Show Advanced Info” underneath the main loan details. Note that you'll enter the annual cost for property taxes and home insurance and the monthly cost for HOA fees and PMI premiums. The PMI field will only display if your down payment is less than 20%.
In the “Loan Estimate” window, select "Amortization Schedule" to uncover a table that shows how much you'll pay in principal and interest each month, as well as the remaining amount you owe ("Principal balance") after making the payment.
» MORE: What is mortgage amortization?

Explanation of terminology

  • Total monthly payment: An estimate of all your monthly housing costs, covering your loan principal, interest, taxes, insurance, and PMI.
  • Total principal: This is the amount you borrow. Each mortgage payment reduces the principal you owe.
  • Total interest payments: How much interest you would pay over the life of the loan.
  • Total loan payments: The entire amount of principal and interest paid, excluding taxes, insurance, and PMI.
  • Down payment: The portion of the home’s price you pay in cash upfront. 
  • Interest rate: How much the lender charges you to lend you the money. Interest rates are expressed as an annual percentage. A lower interest rate gives you a smaller monthly payment.
  • Loan term (years): The number of years you have to repay the mortgage. A longer term gives you a lower monthly payment, but you’ll pay more interest.
  • Start date: The month that your first mortgage payment is due.
  • Payoff date: The month your home will be fully paid off based on the loan term.
  • Property taxes: The annual tax assessed by a government authority on your home and land. You pay about one-twelfth of your annual property tax bill with each mortgage payment, and the servicer saves them in an escrow account. When the taxes are due, the loan servicer pays them.
  • Homeowners insurance: Your policy covers damage and financial losses from fire, storms, theft, a tree falling on your house and other bad things. As with property taxes, you pay roughly one-twelfth of your annual homeowners insurance premium each month, and the servicer pays the bill when it's due.
  • Monthly HOA fees: The amount you may pay each month if you belong to a homeowners association. Typically, these dues are billed directly, not added to the monthly mortgage payment. Because HOA dues can be easy to forget when considering the cost of homeownership, NerdWallet's mortgage calculator allows you to enter them here.
  • Private mortgage insurance: If you get a conventional mortgage and put down less than 20%, you’ll have to pay a monthly PMI premium. It covers the lender if you default on the loan and can be canceled once you reach 20% equity. FHA loans require a similar fee called a mortgage insurance premium. 
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
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