Mortgage rates in Kansas
Average 30-year fixed 6.49% · Updated July 9, 2026 · Freddie Mac (FRED)
Kansas property-tax rates run well above the national median. Below is what buying at Kansas's median price looks like at today's national average rate, plus the local property tax and assistance that actually change your payment.
What a mortgage costs in Kansas
The interest rate on a Kansas mortgage is the same 6.49% national average a lender would quote anywhere — rates are set by the bond market, not by your state. On Kansas's median $300,000 home with 20% down, the financed amount is $240,000, or about $1,515 a month in principal and interest.
What makes Kansas different is the cost around the loan. Its 1.32% effective property-tax rate adds roughly $330 a month, and homeowners insurance about $113 more — bringing the all-in estimate to $1,958. Those local costs, not the interest rate, are what set Kansas apart. Your own price and down payment will move the number — work backward from your income with the how-much-house calculator.
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 (1,752 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. KHRC — Kansas's housing finance agency — runs the state's main assistance program: Kansas offers first-time buyer down-payment loans through participating lenders. Eligibility usually turns on income limits and a homebuyer-education course. 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.
Kansas mortgage FAQ
What is the current mortgage rate in Kansas?
As of July 9, 2026, the U.S. average 30-year fixed rate is 6.49%. The note rate itself is set nationally, not by state — a lender prices your Kansas loan the same way it would anywhere, based on your credit, down payment and loan type.
What changes locally is everything around the rate: Kansas's ~1.32% effective property tax, insurance costs, and which assistance programs apply.
What is the monthly payment on a typical Kansas home?
On Kansas's median home price of about $300,000 with 20% down at today's 6.49% average 30-year rate, expect roughly $1,958/month — that's $1,515 principal and interest plus about $330 property tax and $113 insurance. Adjust the numbers for your exact price and down payment in our calculators.
How hard is it to get approved for a mortgage in Kansas?
In 2025, Kansas lenders originated 60,511 home loans and denied 14,250 applications — an approval rate of about 80.9% among decisioned applications, versus 76.6% nationally, according to federal HMDA data. See how every state ranks in our mortgage approval report.
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.