With a 5.7% top income tax rate and 1.33% property tax, Kansas homeowners face a moderate combined tax burden. This calculator is pre-filled with Kansas numbers: $225,000 median price, 1.33% property tax, $2,300/year insurance.
Last updated: March 13, 2026
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Monthly Payment (Kansas)$0
Loan Details — Kansas
Kansas median: $225,000
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Below 20% triggers PMI on conventional loans
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Average 30-year fixed ~6.75% (March 2026)
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Kansas average: 1.33%
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Kansas average: $2,300/yr
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Property Tax
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Kansas Metro Area Home Prices
Click a metro to load its median price into the calculator above.
Yearly Amortization Schedule+
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Kansas's Tax Landscape and Your Mortgage
Kansas uses a progressive income tax with a top rate of 5.7%. A household earning $150,000 pays an estimated $5,558-$7,268 in state income tax, depending on filing status and deductions. That's $534/month less available for housing costs.
At the state's median home price of $225,000, the $1.33% property tax rate adds $249/month to your mortgage payment. That's $2,993/year — well above the national median of ~1.1%.
Property Taxes Across Kansas
The 1.33% statewide average masks significant variation. High property taxes combined with above-average insurance (tornado/hail risk)
Price ranges across the state: Kansas City (KS side) has a median of $265,000, while Wichita sits at $210,000 — a $55,000 gap that dramatically changes your monthly payment. At $1.33% property tax, that price difference alone means $61/month more in property tax in Kansas City (KS side).
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Homebuyer Programs and Exemptions
Kansas offers several programs for homebuyers:
KHRC First-Time Homebuyer program with competitive rates
Down payment assistance available through local housing authorities
Homestead exemption: Homestead refund for low-income homeowners (up to $700); general residential exemption varies by county
Kansas-Specific Considerations
High property taxes combined with above-average insurance (tornado/hail risk)
Kansas City metro straddles KS/MO border — tax differences between the two states affect which side buyers choose
Income tax has three brackets with top rate of 5.7%
Sales tax is among the highest in the nation when combined with local rates
Property tax rates vary significantly by county — Johnson County (KC metro) ~1.3% vs some rural counties over 1.8%
Insurance Costs in Kansas
At $2,300/year, Kansas's average homeowners insurance premium is significantly above the national average of approximately $1,500/year. That's $192/month added to your housing cost — a factor that's easy to overlook when comparing states. High property taxes combined with above-average insurance (tornado/hail risk)
Compare Kansas Mortgage Rates
See personalized rates from Kansas lenders. LendingTree matches you with up to 5 offers so you can compare and save.
0.39% property tax, 5% top rate. Median home: $232,500.
Alaska Mortgage Calculator
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1.04% property tax, no income tax. Median home: $340,000.
Arizona Mortgage Calculator
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0.62% property tax, 2.5% top rate. Median home: $395,000.
Frequently Asked Questions
What is the average property tax rate in Kansas?
The average effective property tax rate in Kansas is 1.33%. On a $225,000 home (the state median), that works out to approximately $2,993/year or $249/month added to your mortgage payment. Property tax rates vary by county and school district within Kansas — always check your specific jurisdiction's rate. Homestead exemption: Homestead refund for low-income homeowners (up to $700); general residential exemption varies by county
How much does homeowners insurance cost in Kansas?
The average annual homeowners insurance premium in Kansas is approximately $2,300 ($192/month). This is near the national average of approximately $1,500/year. Actual premiums depend on your home's location, age, construction type, and coverage limits.
What first-time homebuyer programs are available in Kansas?
KHRC First-Time Homebuyer program with competitive rates. Down payment assistance available through local housing authorities. These programs typically have income limits, purchase price caps, and may require homebuyer education courses. Check the Kansas housing finance agency website for current eligibility requirements and application deadlines.
How does Kansas's 5.7% income tax affect home affordability?
Kansas's top income tax rate of 5.7% reduces your take-home pay, which affects how much mortgage you can comfortably carry. On a $150,000 salary, state income tax takes roughly $5,558-$7,268/year (effective rate is lower than the top marginal rate). Combined with 1.33% property tax, the total tax burden in Kansas is above average. Use our paycheck calculator to see your exact take-home pay.
What is the conforming loan limit in Kansas?
The 2026 conforming loan limit in Kansas is $806,500. Loans above this amount are considered jumbo loans and typically carry higher interest rates (0.25-0.5% premium), require larger down payments (10-20%), and have stricter qualification requirements including higher credit scores (700+) and lower debt-to-income ratios.
This calculator is for educational purposes. Tax rates and insurance costs are based on Kansas state averages and may not reflect your specific county, school district, or municipality. Consult a financial professional for advice specific to your situation.