Kansas variant. This is a Kansas-specific version of the Mortgage Calculator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Mortgage Calculator.
With a median home value of $230,000 and an effective property tax rate of 1.41%, a typical Kansas mortgage payment combines principal, interest, taxes, and insurance into a meaningfully different number than the sticker price suggests.
What drives a Kansas mortgage payment
On the $230,000 median home with 20% down ($46,000), you'd finance about $184,000. At an illustrative 6.5% 30-year fixed rate, the principal-and-interest payment is roughly $1,163/month.
Kansas's 1.41% effective property tax adds about $270/month, and homeowners insurance plus any PMI push the all-in payment higher still. Enter your real price, rate, and down payment above for an exact figure.
About taxes and housing in Kansas
Kansas uses a graduated income tax with a relatively low top rate.
Kansas has above-average property taxes that fund local schools and services.
Kansas's economy is rooted in agriculture and aviation manufacturing, with Wichita historically known as a center of aircraft production.
Worked example: $230,000 home in Kansas
Price $230,000, 20% down ($46,000), loan $184,000 at 6.5% for 30 years → P&I ≈ $1,163/mo. Add property tax ≈ $270/mo (1.41% of value ÷ 12). Total before insurance ≈ $1,433/mo.
Quick reference
- State income tax: 3.1-5.7% across 3 brackets
- State sales tax: 6.5% (plus 2.20% avg local)
- Median home value: $230,000
- Median household income: $69,747
- Effective property tax rate: 1.41%
- Avg auto insurance: $1,664/yr
Frequently Asked Questions
How much is a mortgage on a $230,000 Kansas home?
With 20% down at 6.5% over 30 years, principal and interest run about $1,163/month, before Kansas's 1.41% property tax and insurance.
What is the property tax rate in Kansas?
Kansas's effective property tax rate is about 1.41% of home value per year.