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Kansas Mortgage Calculator

Your monthly mortgage payment in Kansas, with Kansas's effective property tax rate (1.29%) built in, at this week's average rate. The calculator starts at the state's median home value, $217,200.

A $217,000 home with 20% down ($173,600 borrowed) at 7.28% over 30 years costs about $1,587 a month: $1,188 principal and interest plus $400 of tax, insurance and dues.

Monthly payment
$1,587.37
Principal and interest
$1,187.79
Tax, insurance, PMI and HOA
$399.58
Total interest over the loan
$254,005
Loan balance and interest paid over 30 years at 7.28%$0$100k$200k$300k051015202530Years━Balance owed━Interest paid so far
Download the schedule (CSV)
Amortization by year: $173,600 at 7.28%
YearInterestPrincipalBalance
1$12,583.07$1,670.44$171,929.56
2$12,457.32$1,796.19$170,133.38
3$12,322.11$1,931.40$168,201.98
4$12,176.72$2,076.79$166,125.18
5$12,020.38$2,233.13$163,892.05
6$11,852.27$2,401.24$161,490.81
7$11,671.51$2,582.00$158,908.81
8$11,477.14$2,776.37$156,132.43
9$11,268.13$2,985.38$153,147.06
10$11,043.40$3,210.11$149,936.95
11$10,801.74$3,451.77$146,485.18
12$10,541.90$3,711.61$142,773.57
13$10,262.49$3,991.02$138,782.55
14$9,962.05$4,291.46$134,491.10
15$9,639.00$4,614.51$129,876.59
16$9,291.62$4,961.89$124,914.70
17$8,918.10$5,335.41$119,579.29
18$8,516.45$5,737.06$113,842.23
19$8,084.57$6,168.94$107,673.30
20$7,620.18$6,633.33$101,039.97
21$7,120.83$7,132.68$93,907.29
22$6,583.89$7,669.62$86,237.68
23$6,006.53$8,246.98$77,990.70
24$5,385.71$8,867.80$69,122.90
25$4,718.15$9,535.36$59,587.55
26$4,000.34$10,253.17$49,334.38
27$3,228.50$11,025.02$38,309.36
28$2,398.54$11,854.97$26,454.40
29$1,506.12$12,747.39$13,707.00
30$546.51$13,707.00$0.00

This week's mortgage rates →

Monthly payment in Kansas by home price (20% down, 7%, 30 years, 1.29% tax, $2,000 insurance)

Home pricePrincipal and interestProperty taxTotal
$110,000$585$118$870
$160,000$852$172$1,190
$220,000$1,171$236$1,574
$330,000$1,756$354$2,277
$430,000$2,289$462$2,917

How this calculator works

As the mortgage calculator, with Kansas's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $2,798 ÷ median value $217,200.

What it assumes

  • Home insurance varies a lot by state and area; enter your quote.
  • County property tax rates differ from the state figure; see the county pages.

Questions people ask

What is the mortgage payment on a median home in Kansas?

On $217,200 with 20% down at 7% over 30 years: about $1,156 principal and interest and $233 of property tax, $1,556 a month with $2,000 a year of insurance.

What is the median home value in Kansas?

$217,200 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Kansas?

The effective rate is 1.29%, a median $2,798 a year. See Kansas's property tax page for every county we cover.

How much income do I need for a median Kansas home?

Under the 28% guideline, about $66,678 a year for the payment above; Kansas's median household income is $74,275.

Mortgage calculator by state

Related calculators

  • Mortgage CalculatorYour full monthly mortgage payment: principal and interest, property tax, insurance, PMI and HOA dues, at this week's average rate, with a yearly amortization schedule.
  • Kansas Property Tax CalculatorKansas homeowners pay a median $2,798 a year in property tax, 1.29% of a median $217,200 home: the 13th highest effective rate of the 50 states and DC.
  • Home Affordability CalculatorThe home price your income supports under the 28/36 guideline lenders use, counting your other debts, down payment, taxes and insurance, at this week's average rate.

Sources

Updated by the RateHerald team. The maths is tested against worked examples; report a problem.