What’s the average mortgage payment in Kansas?

According to data collected from Redfin and Rocket Mortgage, the average monthly mortgage payment in Kansas is around $1,693 before property taxes and insurance. Compared with many other states, Kansas remains relatively affordable, thanks to lower median home prices and a housing market that has avoided the extreme volatility seen in many coastal regions.

Kansas continues to attract buyers looking for stable prices, moderate competition, and strong affordability across both metro and rural areas.

Overview of the Kansas housing market

The median sale price of a home in Kansas is roughly $299,800, according to Redfin’s statewide housing data. While prices vary by region, demand remains strongest in the Kansas City metro area and other population centers like Wichita and Lawrence, while much of the state remains comparatively affordable.

Here’s a snapshot of recent median sale prices from Redfin across several Kansas cities:

Factors that influence mortgage payments in Kansas

Your monthly payment includes principal, interest, taxes, and insurance (PITI). Tools like the Rocket Mortgage^® mortgage calculator can help you see how different variables affect your payment.

Home price and down payment

Home price is the main variable when it comes to determining mortgage payments, and Kansas’ lower-than-average home prices help keep loan amounts and monthly payments manageable. For example, on a $299,800 home with a 20% down payment and a 6.5% interest rate, the estimated monthly principal and interest payment is about $1,516.

Buyers who put down less than 20% will typically need to pay private mortgage insurance (PMI), which can add over $150 per month, depending on loan type and credit profile.

Mortgage rate

Your Kansas mortgage rate depends on several factors, including:

• Credit score and credit history
• Debt-to-income ratio (DTI)
• Loan type
• Down payment amount
• Home type and location
• Current market conditions

Loan term

Loan length also influences your monthly payment. Most home buyers choose a 30-year or 15-year option. The 30-year mortgage option is the most common of the two and allows you to spread out payments over a longer duration while making a smaller monthly payment. The 15-year mortgage can be a better option if you can afford higher monthly payments because you’ll pay much less in total interest.

Property taxes and insurance

Kansas has an average effective property tax rate of about 1.30%, which is higher than the national average. On a median-priced home, property taxes can add around $325 per month. Homeowners insurance costs in Kansas average roughly $474 per month, with premiums influenced by storm and tornado risk.

How do mortgage payments in Kansas compare to others in the region?

While mortgage rates are generally consistent nationwide, Kansas’ lower home prices help keep monthly payments below many neighboring states.

Here’s how Kansas compares with nearby states:

Kansas sits near the middle of the region, offering a balance between affordability and access to growing metro areas.

Counties with the highest mortgage payments in Kansas

Higher mortgage payments in Kansas tend to be concentrated in counties near the Kansas City metro area. The counties below have the highest estimated monthly payments based on Q1 2025 median sale prices from the National Association of REALTORS^®:

Counties with the lowest mortgage payments in Kansas

More rural counties across Kansas continue to offer some of the lowest housing costs in the country. Here are the counties with the lowest monthly mortgage payments the state:

How to calculate your mortgage payment

Lenders use a standard formula that factors in the loan term, interest rate, and the loan amount.

Home buyers can use a simple online mortgage calculator to adjust these variables and see how they affect their monthly payment. Additional tools allow you to explore refinancing options, PMI estimates, and more.

Kansas-specific mortgage resources

Kansas home buyers may qualify for several programs designed to improve affordability:

• Kansas Housing Resources Corporation (KHRC): Offers down payment assistance and first-time buyer programs.
• HOMEownership 80 Program: Provides grants for first-time home buyers in Wichita, funded by the U.S. Department of Housing and Urban Development (HUD).

Average mortgage payment in Kansas FAQ

Where can I find the lowest average mortgage payments in Kansas?

Comanche County in southern Kansas has the lowest mortgage payments in the state, with typical monthly payments around  $410.

Which county has the highest average mortgage payments in Kansas?

Johnson County has the highest average mortgage payments in the state, with estimated monthly payments around $2,560.

How much do you need to make to afford a home in Kansas?

Using the 28/36 rule, a buyer with a typical Kansas mortgage payment of $1,693 would ideally earn about $6,050 per month, or roughly $72,600 per year, depending on other debts.

The bottom line: Multiple factors shape your mortgage payment in Kansas

Kansas remains one of the more affordable states for home buyers, with modest mortgage payments and wide variation by county. Buyers who understand local market conditions, compare loan options, and factor in taxes and insurance can make informed decisions and maximize affordability.

Whether you’re a first-time buyer or an experienced homeowner, get prequalified for a loan with Rocket Mortgage to understand your buying power and begin the process with confidence.

*Methodology: Average monthly mortgage payment in a region, calculated based on average home purchase price for a fixed 30-year loan and a 52-week average interest rate of 6.68% from Freddie Mac as of August 2025.

This article is for informational purposes only and is not intended to provide financial, investment, or tax advice. You should consult a qualified financial or tax professional before making decisions regarding your retirement funds or mortgage.

Rocket Mortgage is a VA-approved lender, not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

Rocket Mortgage is not acting on behalf of FHA or HUD.

The 3% down payment option is only available on certain conventional loan products and is not available in all states. Additional terms and conditions may apply.