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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.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$1,575.61The answer

Monthly payment

$1,575.61

A $217,000 home with 20% down ($173,600 borrowed) at 7.18% over 30 years costs about $1,576 a month: $1,176 principal and interest plus $400 of tax, insurance and dues.

Principal and interest: $1,176.03
Tax, insurance, PMI and HOA: $399.58
Total interest over the loan: $249,770

Amortization by year: $173,600 at 7.18%

Year	Interest	Principal	Balance
1	$12,409.16	$1,703.17	$171,896.83
2	$12,282.76	$1,829.56	$170,067.27
3	$12,146.99	$1,965.33	$168,101.94
4	$12,001.14	$2,111.18	$165,990.76
5	$11,844.47	$2,267.85	$163,722.91
6	$11,676.17	$2,436.15	$161,286.76
7	$11,495.38	$2,616.94	$158,669.82
8	$11,301.18	$2,811.14	$155,858.68
9	$11,092.56	$3,019.76	$152,838.91
10	$10,868.46	$3,243.86	$149,595.06
11	$10,627.74	$3,484.59	$146,110.47
12	$10,369.14	$3,743.18	$142,367.29
13	$10,091.36	$4,020.96	$138,346.32
14	$9,792.96	$4,319.36	$134,026.96
15	$9,472.42	$4,639.90	$129,387.06
16	$9,128.09	$4,984.23	$124,402.82
17	$8,758.20	$5,354.12	$119,048.70
18	$8,360.87	$5,751.45	$113,297.25
19	$7,934.05	$6,178.27	$107,118.99
20	$7,475.56	$6,636.76	$100,482.22
21	$6,983.04	$7,129.28	$93,352.95
22	$6,453.98	$7,658.35	$85,694.60
23	$5,885.64	$8,226.68	$77,467.92
24	$5,275.14	$8,837.18	$68,630.74
25	$4,619.33	$9,493.00	$59,137.74
26	$3,914.84	$10,197.48	$48,940.26
27	$3,158.08	$10,954.24	$37,986.02
28	$2,345.16	$11,767.16	$26,218.86
29	$1,471.92	$12,640.41	$13,578.46
30	$533.86	$13,578.46	$0.00

Download the schedule (CSV)

This week's mortgage rates

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

Home price	Principal and interest	Property tax	Total
$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.

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.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.