Kansas Mortgage Calculator
Estimate your monthly mortgage payment in Kansas with state-specific property tax, insurance, and homestead data pre-loaded. Median home value in Kansas is $235,000 with an effective property tax rate of 1.41%.
Mortgage Calculator
Estimate your monthly payment including taxes, insurance, and PMI.
Optional
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
Year 1 | $14,259.48 | $2,101.35 | $12,158.13 | $185,898.65 |
| 1 | $1,188.29 | $169.96 | $1,018.33 | $187,830.04 |
| 2 | $1,188.29 | $170.88 | $1,017.41 | $187,659.16 |
| 3 | $1,188.29 | $171.80 | $1,016.49 | $187,487.36 |
| 4 | $1,188.29 | $172.73 | $1,015.56 | $187,314.63 |
| 5 | $1,188.29 | $173.67 | $1,014.62 | $187,140.96 |
| 6 | $1,188.29 | $174.61 | $1,013.68 | $186,966.35 |
| 7 | $1,188.29 | $175.56 | $1,012.73 | $186,790.79 |
| 8 | $1,188.29 | $176.51 | $1,011.78 | $186,614.28 |
| 9 | $1,188.29 | $177.46 | $1,010.83 | $186,436.82 |
| 10 | $1,188.29 | $178.42 | $1,009.87 | $186,258.40 |
| 11 | $1,188.29 | $179.39 | $1,008.90 | $186,079.01 |
| 12 | $1,188.29 | $180.36 | $1,007.93 | $185,898.65 |
Year 2 | $14,259.48 | $2,242.07 | $12,017.41 | $183,656.58 |
Year 3 | $14,259.48 | $2,392.23 | $11,867.25 | $181,264.35 |
Year 4 | $14,259.48 | $2,552.44 | $11,707.04 | $178,711.91 |
Year 5 | $14,259.48 | $2,723.40 | $11,536.08 | $175,988.51 |
What is a Mortgage Calculator?
A mortgage calculator helps you estimate your total monthly housing payment, including principal, interest, property taxes, home insurance, and private mortgage insurance (PMI). This gives you a complete picture of what homeownership will cost each month.
Unlike a simple loan calculator, a mortgage calculator accounts for additional costs that come with buying a home. Property taxes and insurance are typically required by lenders to be included in your monthly payment through an escrow account.
All calculations happen in your browser. No financial data is sent to any server, so your information stays completely private.
Kansas Housing Snapshot
| Median Home Value | $235,000 |
| Effective Property Tax Rate | 1.41% |
| Estimated Annual Property Tax | $3,314 |
| State Income Tax | Up to 5.7% |
| Homestead Exemption | Homestead refund up to $700 for low-income, elderly, or disabled homeowners |
| Avg Homeowners Insurance | $3,400/yr |
| Transfer & Recording Taxes | No state real estate transfer tax; mortgage registration tax repealed in 2019 |
What Makes Buying in Kansas Different
Kansas insurance is the headline issue: at $3,400 per year, Kansas has the highest average homeowners insurance premiums in the country, driven by extreme hail and tornado exposure across the state. Wichita, Topeka, and the Kansas City metro all see frequent severe thunderstorm activity, and roof replacement claims dominate the loss experience. Property tax is moderate at 1.41% effective on a median $235,000 home, around $3,300 per year. State income tax tops out at 5.7%. The Johnson County suburbs (Overland Park, Olathe, Leawood) on the Kansas side of the Kansas City metro command much higher home prices than the rest of the state, often above $400,000 median, with correspondingly higher property tax bills. Kansas eliminated the mortgage registration tax in 2019, removing what had been a meaningful closing cost for borrowers. The state homestead refund program provides up to $700 in property tax relief for low-income, elderly, or disabled homeowners.
Top Cities in Kansas
| City | Median Home Value |
|---|---|
| Wichita | $195,000 |
| Overland Park | $415,000 |
| Kansas City | $215,000 |
| Topeka | $145,000 |
| Olathe | $395,000 |
Kansas averages $3,400 per year for homeowners insurance, the highest in the US. Severe convective storms, large hail, and tornadoes cause frequent and expensive roof and siding damage across the state. Some counties in central and western Kansas see hail damage almost annually. Many policies have separate higher deductibles for wind and hail. Always get an actual insurance quote before buying.
Kansas provides a property tax refund of up to $700 for homeowners who meet income, age, or disability requirements. Eligibility includes being 55+ or having a disability, with household income under $39,150. The refund is claimed through state income tax filing. It is a refund mechanism, not a property tax exemption, so it does not reduce the bill but reimburses after filing.
Yes. Kansas eliminated the mortgage registration tax (which was 0.26% of the mortgage amount) in 2019. This removed what had been a significant closing-cost item for borrowers. On a $300,000 mortgage, this represented $780 in eliminated tax. Document recording fees still apply at the county level but are much smaller.
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Mortgage Calculator
Estimate monthly mortgage payments including taxes, insurance, and PMI.