Kansas housing costs at a glance
| Kansas | |
|---|---|
| Median home value (Zillow) | $251,000 |
| Average effective property tax | 1.2% |
| Typical rate for a new buyer (calculator default) | 1.35% |
| Average homeowners insurance ($300k dwelling) | $3,996 a year |
| 2026 conforming loan limit (one unit) | $832,750 |
Example: median-priced home
Kansas home for $251,000, 20% down, 6.5% 30-year fixed: principal and interest $1,269 + property tax $282 + insurance $333 = about $1,885 a month. Enter your own rate quote and the actual tax rate of the property for a precise figure.
Kansas property tax
Kansas homes are assessed at 11.5% of market value, and the average effective rate is about 1.2% of value, higher in Johnson County suburbs with large school levies and in Wichita. Lower-income homeowners, seniors and people with disabilities can get part of the tax back through the Homestead Refund and the SAFESR program.
Other Kansas costs
- No transfer tax and no mortgage registration tax.
- Insurance: about $4,000 a year on average, among the highest in the US, because of hail and tornadoes.
- See also the Kansas paycheck calculator.
Other states
See also the Kansas paycheck calculator and mortgage costs in other states.
Frequently asked questions
What is the property tax rate in Kansas?
About 1.2% of home value on average.
What is the monthly payment on a median-priced Kansas home?
On a $251,000 home with 20% down at 6.5%, principal and interest are about $1,269; with property tax at 1.35% and average insurance the total is about $1,885 a month.
Does Kansas have a transfer tax?
No. Kansas has no real estate transfer tax and no mortgage registration tax.
Why is home insurance expensive in Kansas?
Hail and tornadoes; the average premium is about $4,000 a year for $300,000 of dwelling coverage.
For information only; not a loan offer. Property tax, insurance and closing costs depend on the specific property and lender.
Sources
- Kansas Department of Revenue – property valuation
- FHFA – 2026 conforming loan limits
- U.S. Census Bureau ACS 2024 – real estate taxes (via NAHB / Construction Coverage)
- Zillow Home Value Index
- Insurify – home insurance by state
Rules checked: October 2026