Cost of Ownership · Kansas
The true cost of owning a home in Kansas
For a median $217,200 home in Kansas, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.
Lender-approved payment
$1,692/mo
PITI + PMI
True monthly cost
$1,873/mo
everything, incl. upkeep
The gap
+$181/mo
what approval leaves out
Effective property-tax rate
1.29%
Avg. homeowners premium
$1,583/yr
NFIP flood claims on record
7,857
Closing costs in Kansas
Median closing costs and lender origination charges on real home-purchase loans in Kansas, from public CFPB HMDA data. Cells with fewer than 25 loans aren't shown.
Median total closing costs
$3,744
Typically $2,855–$6,293
Median origination charges
$1,576
Typically $995–$3,071
| Loan size | p25 | Median | p75 | Loans |
|---|---|---|---|---|
| All | $2,855 | $3,744 | $6,293 | 26,603 |
| All | $2,670 | $3,703 | $6,291 | 24,941 |
| < $250k | $2,776 | $3,665 | $5,691 | 13,489 |
| < $250k | $2,596 | $3,545 | $5,578 | 14,398 |
| $250k–$500k | $2,928 | $3,858 | $7,876 | 10,401 |
| $250k–$500k | $2,760 | $4,008 | $8,250 | 8,639 |
| $500k–$750k | $2,762 | $3,674 | $7,082 | 1,497 |
| $500k–$750k | $2,926 | $3,668 | $6,040 | 1,984 |
| > $750k | $3,149 | $4,163 | $6,649 | 729 |
| > $750k | $3,057 | $4,002 | $8,589 | 407 |
Compare your own Loan Estimate with the Loan Estimate Decoder, or see every state in the Fee & Rate Index.
Common questions about buying a home in Kansas
- What are the median closing costs in Kansas?
- Median total closing costs — lender and third-party charges — on a home-purchase loan in Kansas are about $3,744, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.
- What is the effective property-tax rate in Kansas?
- The effective property-tax rate in Kansas is about 1.29%, from the Census American Community Survey (median real estate taxes divided by median home value).
- What does a median home cost to own each month in Kansas?
- A median $217,200 home in Kansas costs about $1,873 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $1,692. Every figure is from public data.
These figures use Kansas's median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Kansas ranks on property tax and insurance, or browse every state.