Mortgage rates in Kansas
30-yr fixed 7.18% · Freddie Mac PMMS, week of Nov 5, 2026 · APR benchmark 7.19% (APOR for locks from Nov 9, 2026) · Last reviewed Oct 18, 2026 by the Editorial Team
Kansas property-tax rates run well above the national median.
Mortgage rates today by loan type
These are national averages. Lenders in Kansas price off the same national market, so treat them as a benchmark: your quote depends on your credit, down payment, loan size and points. The APR benchmark folds in typical points and fees, so it shows what a prime borrower's APR looks like this week.
| Loan type | Avg rate | APR benchmarkAPOR | Source · as of | What it measures |
|---|---|---|---|---|
| 30-year fixed | 7.18% | 7.19% | Freddie Mac PMMSNov 5, 2026 | Conventional purchase loans, 20% down, strong credit; weekly survey |
| 20-year fixed | 6.66% | 6.93% | Zillow (via NerdWallet)Nov 6, 2026 | Lender-quoted average; checked by hand every two weeks |
| 15-year fixed | 6.57% | 6.67% | Freddie Mac PMMSNov 5, 2026 | Conventional purchase loans, 20% down, strong credit; weekly survey |
| 10-year fixed | 6.31% | 6.82% | Zillow (via NerdWallet)Nov 6, 2026 | Lender-quoted average; checked by hand every two weeks |
| 5-year ARM | 6.73% | 6.67% | Zillow (via NerdWallet)Nov 6, 2026 | Fixed for 5 years, then adjusts; APOR = prime ARM benchmark |
| 7-year ARM | — | 6.50% | APOR, locks from Nov 9, 2026 | No free rate series; APOR benchmark only |
| 10-year ARM | — | 6.63% | APOR, locks from Nov 9, 2026 | No free rate series; APOR benchmark only |
| FHA 30-year | 6.89% | — | Optimal Blue OBMMINov 5, 2026 | Locked FHA loans, all credit profiles; daily |
| VA 30-year | 6.71% | — | Optimal Blue OBMMINov 5, 2026 | Locked VA loans; daily |
| USDA 30-year | 6.86% | — | Optimal Blue OBMMINov 5, 2026 | Locked USDA loans; daily |
| Jumbo 30-year | 7.25% | — | Optimal Blue OBMMINov 5, 2026 | Locked loans above the conforming limit; daily |
APR benchmark = FFIEC/CFPB Average Prime Offer Rate for rate locks in the week starting Nov 9, 2026 (published in advance): a prime borrower's APR including typical points and fees. It is not a quote; your APR depends on credit, down payment and the points you pay. APOR is not published for FHA, VA, USDA or jumbo loans.
Calculate your Kansas mortgage payment
The calculator starts from Kansas's median list price, 20% down, the state's 1.30% effective property tax, its median insurance premium and its average closing costs. Switch to FHA or VA, change the down payment, or pick your county to set its conforming limit. For the month-by-month split of principal and interest, open the amortization table. To see how Kansas's property tax and insurance compare with every other state, try the PITI calculator by state.
Kansas vs. the U.S.
Kansas's median list price is 29% below the U.S. median, so at the same 7.18% rate the principal and interest on a 20%-down loan runs $650 a month less. Five-year price growth here was the 25th-slowest of 51 jurisdictions.
| Measure | Kansas | U.S. |
|---|---|---|
| Median list priceRealtor.com, Oct 2026 | $295,000 | $415,000 |
| Principal + interest, 20% down30-yr avg 7.18% | $1,599 | $2,249 |
| Average home-purchase loanHMDA 2025 | $294,036 | $404,828 |
| Average closing costsincl. transfer taxes | $2,369 | $4,661 |
| Median conventional rate paid2025 purchase loans | 6.63% | 6.50% |
| Mortgage approval rateHMDA 2025 | 80.9% | 76.6% |
| Home values, 1 yearFHFA index, Q2 2026 | +3.8% | +3.0% |
| Home values, 5 yearsFHFA index, Q2 2026 | +42.6% | +41.3% |
What Kansas borrowers actually paid in 2025
This is the state-specific part. Federal HMDA records show the rate and costs on every Kansas home-purchase loan closed in 2025. We compare like with like: 30-year fixed, first-lien, one-unit primary homes. On conventional loans, Kansas borrowers paid 0.02 percentage points above the market benchmark at lock, the 25th-highest of all 50 states and the District of Columbia.
| 2025 purchase loans | Median rateKS · U.S. | Over benchmarkKS · U.S. | Closing costsKS · U.S. | Paid pointsshare of loans | Median downequity on refis · KS |
|---|---|---|---|---|---|
| Conventional 30-yr fixed (conforming, 20%+ down)5,875 loans | 6.63%6.50% | +0.02+0.02 | $3,220$5,476 | 42.2%53.2% | 22.8% |
| Jumbo 30-yr fixed (20%+ down)81 loans | 6.50%6.63% | −0.04+0.00 | $4,631$10,251 | 28.4%38.4% | 20.7% |
| FHA 30-yr fixed3,917 loans | 6.50%6.25% | +0.59+0.42 | $7,690$11,291 | 56.5%59.3% | 3.5% |
| VA 30-yr fixed3,135 loans | 6.25%6.13% | −0.24−0.36 | $4,951$6,554 | 56.7%59.3% | 0% |
| Conventional rate-and-term refinance1,060 loans | 6.38%6.38% | −0.02−0.06 | $3,194$4,390 | 43.3%45.4% | 31.2% |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), medians. "Over benchmark" = rate spread, the APR minus APOR on the lock date, which removes the effect of when each loan locked. Closing costs = total loan costs on the Closing Disclosure. HMDA has no credit scores, so these are what borrowers paid, not what you will be offered. See the lenders active in Kansas and what their borrowers paid.
Kansas's biggest conventional lenders: what their borrowers paid
The 8 largest conventional lenders in Kansas by 2025 purchase loans, out of 554 that made one. Each row is the median for that lender's comparable loans here: 30-year fixed, conforming, 20% or more down. A lower figure over the benchmark means cheaper pricing for the same week.
| Lender | 2025 loansshare in KS | Median rate | Over benchmark | Originationmedian | Paid pointsshare · median | Median down |
|---|---|---|---|---|---|---|
| Fairway Independent Mortgage | 1,1554.8% | 6.75% | +0.17 | $1,548 | 46%$873 | 23.4% |
| Communityamerica Credit Union | 1,0184.3% | 6.63% | +0.00 | $1,152 | 37%$746 | 22.1% |
| Rocket Mortgage | 8563.6% | 6.50% | −0.04 | $2,446 | 68%$2,263 | 27% |
| Peoples Bank and Trust Company | 6512.7% | 6.63% | +0.06 | $995 | 24%$638 | 26.9% |
| United Wholesale Mortgage | 6232.6% | 6.63% | +0.08 | $3,523 | 52%$1,438 | 20.4% |
| Flat Branch Mortgage, Inc. | 5932.5% | 6.63% | +0.09 | $1,230 | 50%$900 | 22.3% |
| Capitol Federal Savings Bank | 5782.4% | 6.50% | −0.04 | $1,300 | 2%$6,869 | 24.3% |
| Guild Mortgage | 5282.2% | 6.50% | +0.04 | $1,955 | 68%$1,142 | 20.3% |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), lenders with at least 30 comparable loans in Kansas. Minimum credit scores are not shown here: conventional loans usually start at 620 (a lender floor; Fannie Mae's automated underwriting sets none), FHA 580 (500 with 10% down), VA none set by VA (lenders often 620). HMDA has no credit scores, so a lender's medians reflect its own mix of borrowers. FHA and VA lenders: Kansas lender rankings.
How rates have moved
Weekly national averages over the past 30 days to 5 years. The 30- and 15-year lines are Freddie Mac average rates; the ARM lines are the APOR APR benchmark, because no free weekly ARM rate series exists.
- Now
- 7.18%
- Nov 5, 2026
- 1 week ago
- 7.24%
- −0.06 pts
- 1 month ago
- 7.40%
- −0.22 pts
- 1 year ago
- 6.22%
- +0.96 pts
30-year fixed: Freddie Mac PMMS (rate), weekly. National series.
What a mortgage costs in Kansas
On a home at Kansas's median list price of $295,000 with 20% down, the financed amount is $236,000, or about $1,599 a month in principal and interest at the 7.18% 30-year average.
What makes Kansas different is the cost around the loan. Its 1.30% effective property-tax rate adds roughly $320 a month, and homeowners insurance — at the state's median 0.78% of home value — about $192 more, bringing the all-in estimate to $2,110. That figure is principal and interest at the 30-year average, property tax and insurance; at 20% down a conventional loan has no PMI, and HOA dues or local special assessments are not included. Your own price and down payment will move the number — work backward from your income with the how-much-house calculator.
Payment at the $295,000 median list price by down payment and loan type
| Loan | Rate | Monthlyall-in | Mortgage ins. | Cash to close | Income needed28% rule · yearly |
|---|---|---|---|---|---|
| Conventional, 20% downNo PMI | 7.18%Freddie Mac 30-yr avg | $2,110P&I $1,599 | — | $61,369 | $90,000 |
| Conventional, 10% downPMI est. 0.7%/yr | 7.18%Freddie Mac 30-yr avg | $2,465P&I $1,799 | $155 | $31,869 | $106,000 |
| Conventional, 5% downPMI est. 0.7%/yr | 7.18%Freddie Mac 30-yr avg | $2,574P&I $1,899 | $163 | $17,119 | $110,000 |
| Conventional, 3% downPMI est. 0.7%/yr | 7.18%Freddie Mac 30-yr avg | $2,617P&I $1,938 | $167 | $11,219 | $112,000 |
| FHA, 3.5% down1.75% upfront MIP financed + annual MIP | 6.89%OBMMI FHA avg | $2,548P&I $1,906 | $130 | $12,694 | $109,000 |
| VA, 0% down2.15% funding fee financed; no monthly MI | 6.71%OBMMI VA avg | $2,458P&I $1,946 | — | $2,369 | $105,000 |
Monthly = principal and interest + property tax (1.30% effective) + homeowners insurance (about $192/mo — Kansas's median premium, 0.78% of home value) + mortgage insurance. HOA dues and local special assessments are not included. Cash to close = down payment + Kansas's average closing costs ($2,369). PMI is an illustrative 0.7% a year; FHA and VA figures use HUD's MIP schedule and VA's first-use funding fee. Income needed = the gross yearly income at which the monthly figure is 28% of pay, the classic housing-cost guideline. Lenders also limit your total monthly debts as a share of income, so car, student-loan and card payments raise the income you need.
Prices, loan limits and payments in Kansas's biggest counties
Home prices, and so the loan you need, vary more inside Kansas than rates do. The table covers the largest county markets. Pick a row to load it into the calculator above.
| County | Median list priceSep 2026 · yr/yr | Avg purchase loanHMDA 2025 | Conforming limitmax price at 20% down | At 20% down | Est. paymentP&I + tax + ins. | Calculator |
|---|---|---|---|---|---|---|
| Johnson County1,681 homes for sale · Sep 2026 | $613,563-1% | $467,9888,300 loans | $832,750$1,040,937 | Conforming$490,850 loan | $4,389at 7.18% | |
| Sedgwick County1,501 homes for sale · Sep 2026 | $275,000-7.4% | $256,1277,036 loans | $832,750$1,040,937 | Conforming$220,000 loan | $1,967at 7.18% | |
| Wyandotte County365 homes for sale · Sep 2026 | $258,000+8.2% | $257,1201,783 loans | $832,750$1,040,937 | Conforming$206,400 loan | $1,846at 7.18% | |
| Shawnee County298 homes for sale · Sep 2026 | $243,350-2.6% | $206,3002,185 loans | $832,750$1,040,937 | Conforming$194,680 loan | $1,741at 7.18% | |
| Douglas County269 homes for sale · Sep 2026 | $417,500+13.8% | $349,4611,224 loans | $832,750$1,040,937 | Conforming$334,000 loan | $2,987at 7.18% | |
| Leavenworth County238 homes for sale · Sep 2026 | $438,688+8% | $326,8601,102 loans | $832,750$1,040,937 | Conforming$350,950 loan | $3,138at 7.18% | |
| Butler County168 homes for sale · Sep 2026 | $304,925-2.6% | $246,6131,017 loans | $832,750$1,040,937 | Conforming$243,940 loan | $2,181at 7.18% | |
| Montgomery County154 homes for sale · Sep 2026 | $157,250-0.8% | $163,670218 loans | $832,750$1,040,937 | Conforming$125,800 loan | $1,125at 7.18% | |
| Riley County151 homes for sale · Sep 2026 | $320,125+9.5% | $295,178785 loans | $832,750$1,040,937 | Conforming$256,100 loan | $2,290at 7.18% | |
| Finney County141 homes for sale · Sep 2026 | $287,500+2% | $252,293181 loans | $832,750$1,040,937 | Conforming$230,000 loan | $2,057at 7.18% | |
| Cowley County124 homes for sale · Sep 2026 | $149,949-10.3% | $165,197304 loans | $832,750$1,040,937 | Conforming$119,959 loan | $1,073at 7.18% | |
| Miami County118 homes for sale · Sep 2026 | $385,000+13.9% | $312,275477 loans | $832,750$1,040,937 | Conforming$308,000 loan | $2,754at 7.18% |
Sources: Realtor.com county research data (median listing price, Sep 2026); FHFA 2026 one-unit conforming limits; 2025 HMDA home-purchase originations (average loan, all loan types). Payments use the 30-year average (7.18%, or the jumbo average 7.25% above the limit), Kansas's 1.30% effective property tax and its median insurance premium (0.78% of value), both from Census ACS 2024 data; county tax rates differ. Max price at 20% down = the county limit ÷ 0.8, the highest price at which a 20%-down loan stays conforming. Homes for sale = active Realtor.com listings in the month, excluding pending sales.
What's different about buying a home in Kansas
Rates are national, but the rules around the loan are not. These Kansas specifics can change your payment, your closing or your protections as a borrower.
Residential property is assessed at 11.5%
Kansas generally appraises property at fair market value, then assesses residential real property at 11.5% of that value; vacant lots are assessed at 12% and land devoted to agricultural use at 30%. Because classes are assessed at different shares of value, a parcel's classification matters as much as its value.
Source: kslegislature.govCity special assessments collect with property taxes
Special assessments a Kansas city levies against property are collected as a special tax concurrent with general property taxes, in up to 20 equal annual installments plus interest. Because the charge sits on the property itself, buyers should ask what assessments remain before they close.
Source: kslegislature.govForeclosure redemption window: 12 months, sometimes three
After a foreclosure sale, a Kansas owner can generally redeem the home within 12 months and keeps possession meanwhile; a mortgage on an owner-occupied single- or two-family home cannot shorten or waive that period. If the default comes before one-third of the original mortgage debt is repaid, the court orders just three months.
Source: kslegislature.govHomestead protection requires both spouses' consent
A Kansas homestead, up to one acre in a city or 160 acres of farmland, is exempt from forced sale and cannot be alienated without both spouses' consent. The exemption excludes taxes, purchase debts and liens both spouses agreed to, so a spouse not on the loan may need to sign the mortgage.
Source: kslegislature.govWind/hail deductibles are usually a percentage
The Kansas Insurance Department says most homeowners policies have a separate wind/hail deductible, generally one to two percent of the amount of insurance on the structure, while other perils usually carry a dollar-limit deductible. Because it is a percentage, buyers should check it in each quote; a higher deductible lowers the premium.
Source: insurance.ks.govChecked against official sources on October 20, 2026. Laws and programs change; confirm details with the agency named or a local real estate attorney.
How Kansas buyers finance their homes
USDA loans are where Kansas stands out: they made up 1.1% of home loans originated here in 2025, against 0.6% nationally — the 11th-highest USDA share of any state. Lenders, agents and appraisers here handle USDA deals routinely, which helps if that is the loan you need.
| Loan type | Share in KS | U.S. share | Approval in KS | Avg loan in KS |
|---|---|---|---|---|
| Conventional | 78.4% | 78.0% | 81.1% | $250,431 |
| FHA | 11.2% | 13.2% | 76.7% | $221,434 |
| VA | 9.3% | 8.2% | 84.2% | $299,019 |
| USDA | 1.1% | 0.6% | 86.4% | $149,486 |
The average Kansas home loan in 2025 was $250,620 — 29% below the U.S. average of $352,861, the 14th-smallest of 51 jurisdictions. Home purchases accounted for 65.8% of those loans (U.S. 64.2%); cash-out refinances for 14.7% (U.S. 17.1%).
Source: 2025 HMDA originations, FFIEC/CFPB. Approval = originated ÷ (originated + denied).
Kansas loan limits for 2026
All 105 of Kansas's counties use the 2026 baseline conforming limit of $832,750 for a one-unit home. Any loan above that is a jumbo loan here, which usually means a larger down payment and cash reserves. See the full national grid in our 2026 conforming limits table.
County limits: FHFA 2026 conforming loan limit list (one-unit properties; two- to four-unit limits are higher).
Cash you'll need to close in Kansas
Average closing costs in Kansas are about $2,369 including transfer taxes (among the lowest in the country). On a home at the median list price of $295,000:
| 20% down | 3% down | |
|---|---|---|
| Down payment | $59,000 | $8,850 |
| Average closing costs | $2,369 | $2,369 |
| Cash to close (estimate) | $61,369 | $11,219 |
Prepaid taxes and insurance are extra. Closing-cost averages by state (source: Bankrate).
Transfer taxes and recording rules in Kansas
Kansas phased out its mortgage registration tax — 0.26% of the loan before 2015 — and replaced it with per-page recording fees, so borrowers no longer pay a tax based on loan size. Source: kslegislature.gov
Getting approved in Kansas
Federal HMDA lending records show Kansas lenders originated 60,511 home loans in 2025 and denied 14,250 applications — an approval rate near 80.9% among decisioned applications, against 76.6% nationwide. See how all 50 states compare in our state approval-rate study, and how Kansas ranks for mortgage complaint patterns (1,823 on record).
Shopping for a loan? See the most active mortgage lenders in Kansas, ranked by federal HMDA volume.
Down-payment help in Kansas
You rarely need 20% down. These are the main programs from KHRC, Kansas's housing finance agency; they are offered through participating lenders, usually alongside the agency's own first mortgage.
First Time Homebuyer (FTHB)
A 0% forgivable second mortgage of up to $40,000 — up to 20% of the price for households below 50% of area median income and 15% for those at 51–80% — forgiven after 10 years. It covers the state except Topeka, Lawrence, Wichita, Kansas City and Johnson County, which run their own programs; buyers contribute 1% of the price.
Source: kshousingcorp.orgChecked against official sources on October 9, 2026. Assistance amounts, income limits and funding change during the year — confirm current terms with KHRC or a participating lender.
No state mortgage credit certificate in Kansas
Kansas Housing's first-time buyer program is down-payment assistance; no MCC is offered. Which states still issue MCCs.
Check current terms at KHRC, see how a smaller down payment changes your number with the down payment tool, or compare first-time buyer programs nationwide.
How these numbers are measured
- Freddie Mac PMMS (30- and 15-year): a weekly average of rates offered to borrowers with 20% down and strong credit, published Thursdays; latest week Nov 5, 2026. Points are not reported.
- Optimal Blue OBMMI (FHA, VA, USDA, jumbo): daily averages of rates actually locked, across credit profiles. Points vary by loan.
- APOR (APR benchmark): FFIEC/CFPB's weekly Average Prime Offer Rate, an APR that includes typical points and fees for a prime borrower. Regulators use it to flag higher-priced loans.
- HMDA 2025 (Kansas vs U.S.): rates, costs, points and down payments on loans that actually closed, reported by lenders to federal regulators. Updated once a year.
- Census ACS 2024 (property tax and insurance): what homeowners with a mortgage in Kansas reported paying — the median real-estate tax divided by the median home value, and the median insurance premium as a share of value. Updated once a year.
- Interest rate vs APR: the rate sets your payment; the APR adds points and lender fees spread over the loan. Compare APRs on Loan Estimates for the same day and loan type.
Rates and APOR refresh every week; HMDA, loan limits and closing-cost averages refresh when their publishers release new data. Reviewed by our editors. Full sources and formulas: how we source our data.
Kansas mortgage FAQ
What is a good mortgage rate in Kansas right now?
A 30-year fixed close to the national average of 7.18% (Freddie Mac, week of Nov 5, 2026) is a fair benchmark for a borrower with strong credit and 20% down. In 2025, Kansas's conventional buyers paid a median 6.63%.
Quotes well above that usually reflect lower credit, a small down payment or lender credits taken in exchange for a higher rate.
Are mortgage rates higher in Kansas than in other states?
No, about the same as nationally, once timing and fees are counted. In 2025 HMDA records, Kansas's median conventional 30-year rate was 6.63%, against 6.50% nationally.
Against the benchmark for each loan's lock week, which counts points and fees, Kansas loans priced 0.02 percentage points above it (the 25th-highest of all 50 states and the District of Columbia), against 0.02 above nationally.
Rates are set mainly in one national market, so your credit, down payment and loan size matter more.
What are current jumbo mortgage rates in Kansas?
The national jumbo 30-year average is 7.25% (Optimal Blue). In 2025, Kansas's jumbo buyers paid a median 6.50%. A loan is jumbo above the $832,750 conforming limit, which applies in every Kansas county.
Jumbo lenders typically want 10–20% down, a 700+ credit score and 6–12 months of reserves.
Should I choose a 15-year or 30-year mortgage?
On a $236,000 loan (20% down on Kansas's median list price), a 30-year at 7.18% costs $1,599 a month and a 15-year at 6.57% costs $2,065.
The 15-year saves about $203,866 in interest but needs $466 more a month, so it fits only if that payment is comfortable.
How much does a 1% difference in mortgage rates change my monthly payment?
On a $236,000 loan (20% down on Kansas's median list price), moving from 7.18% to 8.18% raises the principal-and-interest payment from $1,599 to $1,761, or $163 a month.
Over 30 years that is about $58,551 more in interest, which is why comparing several lenders on the same day matters.
Are mortgage rates different for purchase and refinance loans?
Yes, slightly. In 2025, Kansas's conventional rate-and-term refinances closed at a median 6.38% and purchases at 6.63%, partly because refinances bunch up when rates dip. Refinances priced 0.02 percentage points below the market benchmark; cash-out refinances usually cost more. Your own pricing depends on credit, loan-to-value and points.
How much is a $400,000 mortgage at 7.18% interest?
About $2,710 a month in principal and interest over 30 years. In Kansas, a $500,000 home with that loan adds roughly $542 a month in property tax at the 1.30% effective rate, plus homeowners insurance. Over 30 years the loan costs about $575,506 in interest.
How much income do I need to buy a home in Kansas?
About $90,000 a year for a home at the $295,000 median list price with 20% down, if the full $2,110 monthly payment, including tax and insurance, stays within 28% of gross income.
Smaller down payments add mortgage insurance and raise that figure; existing debts lower what lenders approve.
What down payment assistance is available in Kansas?
KHRC, the state housing finance agency, runs First Time Homebuyer (FTHB), offered through participating lenders. Help usually comes as a grant or a deferred or forgivable second loan paired with the agency's first mortgage.
Amounts, income limits and funding change during the year, so confirm current terms with KHRC or a participating lender before you apply.
- Freddie Mac — Primary Mortgage Market Survey
- FFIEC / CFPB — Average Prime Offer Rates (APOR)
- FFIEC / CFPB — HMDA data browser (2025 loan-level records)
- Optimal Blue OBMMI via FRED (FHA, VA, USDA, jumbo)
- FHFA — 2026 conforming loan limits by county
- U.S. Census Bureau — 2024 American Community Survey microdata (property tax and homeowners insurance)
- HUD — Handbook 4000.1 (FHA mortgage insurance)
Rates shown are national weekly averages for general guidance, not an offer or personalized quote. Payment estimates assume the down payment noted plus estimated taxes and insurance. Confirm current pricing with a licensed lender.