Current Kansas City Mortgage Rates Today
Looking for today's Kansas City mortgage rates? Compare current sample mortgage rates for conventional, FHA, VA, USDA, jumbo and refinance loans throughout the Kansas City metropolitan area. Whether you're purchasing a home in Kansas or Missouri, compare local home loan programs, APRs, points and estimated principal-and-interest payments before requesting a personalized mortgage rate quote.
The mortgage rates below are updated regularly using Metropolitan Mortgage pricing assumptions and are designed to help Kansas City homebuyers compare financing options. Actual mortgage rates depend on your credit profile, down payment, property type, occupancy, loan amount, rate-lock period and other underwriting factors.
Initial rate estimates are available without obligation. Your loan advisor will explain any credit-review requirements before you proceed.
Current Mortgage Rates in Kansas City by Loan Program
The mortgage rate tables below organize today's Kansas City mortgage rates by loan program so you can compare conventional, FHA, VA, USDA, jumbo and refinance options using consistent assumptions. Each section includes sample interest rates, APRs, points, principal-and-interest payments and loan-specific guidance to help you compare financing options before requesting personalized pricing.
Conventional Mortgage Rates
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-Year Fixed | 360 payments of $1,847 at 6.250% | |||
| 20-Year Fixed | 240 payments of $2,171 at 6.125% | |||
| 15-Year Fixed | 180 payments of $2,471 at 5.625% | |||
| 7 Yr ARM | Initial: $1,775 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $1,727 (adjusts after 5 years) |
Rate assumptions used for these examples
The sample rates and payments shown above are based on the following assumptions and are provided for comparison purposes only.
Sample payments are based on a $300,000 purchase loan for an owner-occupied, single-family residence, a 780 credit score and 75% loan-to-value ratio. The example assumes a $400,000 purchase price and $100,000 down payment. Payments shown include principal and interest only and exclude property taxes, homeowners insurance, mortgage insurance, HOA dues and other property-related charges.
Adjustable-rate mortgage payments and rates may change after the initial fixed period. Review the index, margin, adjustment frequency and rate caps before selecting an ARM.
Jumbo Mortgage Rates
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-Year Jumbo | 360 payments of $6,076 at 6.125% (for $1,000,000 loan) | |||
| 15-Year Jumbo | 180 payments of $8,506 at 6.125% (for $1,000,000 loan) | |||
| 7 Yr ARM | Initial: $5,915 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $5,836 (adjusts after 5 years) |
Jumbo rate assumptions
Sample payments are based on a $1,000,000 purchase loan for an owner-occupied, single-family residence, a 780 credit score and 75% loan-to-value ratio. The example assumes an approximate $1,333,333 purchase price and $333,333 down payment. Payments include principal and interest only. Jumbo underwriting, reserve and asset-documentation requirements may be more restrictive than conforming-loan requirements.
FHA Mortgage Rates
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,775 at 5.875% | |||
| 20-year fixed | 240 payments of $2,106 at 5.750% | |||
| 15-year fixed | 180 payments of $2,431 at 5.375% |
FHA rate assumptions
Sample pricing is based on a $300,000 purchase loan for an owner-occupied, single-family residence with a 3.5% down payment. FHA upfront and annual mortgage insurance apply. Review the live table assumptions to determine whether the example loan amount includes financed upfront mortgage insurance; monthly mortgage insurance, property taxes and homeowners insurance are excluded unless specifically stated.
VA Mortgage Rates
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,797 at 5.990% | |||
| 20-year fixed | 240 payments of $2,128 at 5.875% | |||
| 15-year fixed | 180 payments of $2,451 at 5.500% |
VA rate assumptions
Sample pricing is based on a $300,000 purchase loan for an eligible veteran purchasing an owner-occupied, single-family residence. The estimated payment includes principal and interest only unless otherwise stated. A VA funding fee may apply and may be financed, although eligible borrowers may qualify for an exemption. Eligibility, credit, residual-income, entitlement and underwriting requirements apply.
USDA Mortgage Rates
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,847 at 6.250% |
USDA rate assumptions
Sample pricing is based on an eligible owner-occupied property, zero down payment and financing of the applicable upfront guarantee fee. Household-income and property-location eligibility requirements apply. The estimated payment includes principal and interest only unless otherwise stated. Property taxes, homeowners insurance and the USDA annual guarantee fee may be additional.
Quick Kansas City Home Loan Comparison
Compare the most common Kansas City loan programs before requesting a personalized mortgage rate quote.
| Loan program | Typical minimum down payment | Best for |
|---|---|---|
| Conventional | As low as 3% | Most homebuyers seeking flexible financing options |
| FHA | 3.5% | Buyers who may benefit from flexible credit guidelines |
| VA | 0% for eligible borrowers | Eligible veterans, service members and qualifying spouses |
| USDA | 0% for eligible borrowers and properties | Income-qualified buyers purchasing eligible properties |
| Jumbo | 10% down payment | Buyers financing higher-priced homes |
Why Mortgage Rates and Monthly Payments Can Differ Across the Kansas City Metro
Kansas City mortgage rates are largely influenced by national bond-market conditions and your individual loan profile rather than whether a property is located on the Kansas or Missouri side of the metropolitan area. However, property taxes, homeowners insurance, title fees, local assistance programs and escrow requirements vary throughout the metro and can significantly affect your monthly payment and total cash needed at closing.
Johnson County
Compare mortgage rates for home purchases in Overland Park, Olathe, Lenexa, Shawnee, Leawood and surrounding Johnson County communities.
Kansas City, Missouri
Local mortgage guidance for buyers throughout Jackson, Clay, Platte and Cass Counties, including Kansas City, Liberty, Gladstone, Lee's Summit and the Northland.
Kansas & Missouri Comparisons
Use the statewide rate pages for broader mortgage information and market-specific guidance outside the central Kansas City metro.
Brookside, Waldo & the Plaza
Older homes may require additional attention during appraisal, insurance review and property-condition underwriting. Confirm that your lender can manage historic or extensively renovated properties without delaying closing.
Liberty, Gladstone & the Northland
Newer subdivisions and planned communities may involve HOA dues, special assessments or property-tax changes that should be included in the full monthly-payment estimate.
Overland Park, Leawood & Olathe
Higher purchase prices can affect down-payment strategy, conforming-loan eligibility and the comparison between conventional and jumbo financing. A fully underwritten pre-approval may also strengthen an offer.
Our team serves buyers throughout Johnson, Jackson, Clay, Platte, Wyandotte, Cass and Leavenworth counties.
Compare Kansas City Refinance Rates and Equity Options
Looking for refinance rates instead of purchase financing? Refinance pricing is influenced by many of the same factors as purchase mortgages, including credit score, loan-to-value ratio, occupancy, loan amount and rate-lock period. Pricing may also differ based on whether you are lowering your rate, shortening your term, taking cash out or using a government streamline program.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| Conventional Rate-and-Term | 360 payments of $1,847 at 6.250% | |||
| Conventional Cash-Out | 240 payments of $2,171 at 6.125% | |||
| FHA Streamline | 180 payments of $2,471 at 5.625% | |||
| VA IRRRL | 360 payments of $1,775 at 5.875% | |||
| USDA Streamlined Assist | 360 payments of $1,751 at 5.750% |
Refinance rate assumptions and limitations
Refinance pricing can differ from purchase pricing because of loan purpose, equity, occupancy, property type, loan amount, subordinate financing, cash-out status and rate-lock period. Government streamline programs have additional eligibility, seasoning and net-tangible-benefit requirements. Home equity loans and HELOCs are second-lien products and should not be compared with first-mortgage pricing solely by interest rate.
Any live refinance rate displayed here should include matching assumptions for loan amount, credit score, loan-to-value ratio, occupancy, property type, points, estimated closing costs and payment inclusions.
Lower the Rate or Payment
A rate-and-term refinance may help reduce the rate, adjust the loan term or move from an adjustable-rate loan to a fixed-rate structure.
Access Home Equity
Compare a cash-out refinance with a fixed home equity loan or HELOC based on the current first-mortgage rate, equity needs and expected repayment period.
Refinance a Government Loan
Existing FHA, VA and USDA borrowers may have access to streamlined refinance programs with different appraisal, documentation and eligibility requirements.
Interest Rate vs. APR
Interest rate is the percentage used to calculate principal and interest. APR estimates the broader annual cost of the loan by including the interest rate and certain finance charges.
When comparing lenders, review the rate, APR, points and total closing costs—not the interest rate alone.
Viewing Purchase Rates
The rates on this page are sample home-purchase rates. Refinancing an existing mortgage may involve different pricing, equity requirements and closing-cost considerations.
Calculate a Kansas City Mortgage Payment
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What Mortgage Rate Can I Qualify for in Kansas City?
The rate available to you depends on more than the loan program shown in a rate table. Lenders commonly consider:
- Credit profile: Score, history and recent inquiries.
- Down payment: The resulting loan-to-value ratio.
- Loan amount: Conforming, high-balance or jumbo.
- Property: Type, condition and appraisal.
- Occupancy: Primary residence, second home or investment.
- Loan purpose: Purchase, rate-and-term or cash-out refinance.
- Lock period: The number of days pricing must be secured.
- Pricing choice: Zero points, discount points or lender credits.
Two Kansas City buyers purchasing similarly priced homes may receive different rates because their loan profiles and closing timelines are different.
Today’s Kansas City Mortgage Rate Outlook
Current mortgage rates in Kansas City can move as bond-market pricing changes during the business day. A national rate headline is useful context, but it is not a personalized quote and may use different assumptions for credit score, down payment, loan amount, points or property type.
Borrowers under contract should weigh the certainty of a rate lock against their closing timeline and tolerance for payment changes. Buyers who are still shopping for a home loan in Kansas City can focus on maintaining credit, documenting funds and comparing zero-point pricing with options that use discount points or lender credits.
Consider Locking When
You are under contract, the payment fits your budget and a market move would create unacceptable risk before closing.
Consider Floating When
Your closing date is flexible, you understand the downside and you have room in your budget if pricing worsens.
Compare More Than Rate
Review APR, points, lender credits, closing costs, payment and break-even period for the same loan scenario.
Market commentary is educational and is not a prediction or a recommendation to lock or float. Request scenario-specific pricing before making a decision.
Current Kansas City Mortgage Rate Update
Current mortgage rates in Kansas City continue to fluctuate as financial markets react to inflation data, Federal Reserve expectations, Treasury yields and mortgage-backed securities pricing. While many well-qualified borrowers may qualify for competitive conventional, FHA, VA, USDA and jumbo mortgage rates, your personalized interest rate will depend on factors such as your credit score, down payment, loan amount, occupancy, property type, lock period and discount points.
The sample mortgage rates displayed above are updated regularly using Metropolitan Mortgage pricing assumptions and are intended to help Kansas City homebuyers compare loan programs—not national survey averages. When comparing lenders, review the complete loan scenario, including the interest rate, APR, points, lender credits, estimated monthly payment and total closing costs.
If you are purchasing a home in Kansas City, locking your mortgage rate should be based on your purchase contract, closing timeline and financial goals rather than daily headlines. Buyers who are still shopping can improve their financing options by maintaining strong credit, avoiding new debt, preserving cash reserves and comparing multiple loan programs before requesting a personalized quote.
How to Compare Today’s Kansas City Mortgage Rates
Review the Complete Price
- Interest rate: Used to calculate principal and interest.
- APR: Includes the rate and certain finance charges.
- Points: Upfront fees paid to obtain a lower rate.
- Lender credits: Credits that may offset closing costs in exchange for a higher rate.
Review the Complete Payment
- Principal and interest.
- Property taxes and homeowners insurance.
- Mortgage insurance or government annual fees.
- HOA dues and other recurring property charges.
- Cash to close and break-even period.
Frequently Asked Questions About Kansas City Mortgage Rates
What are current mortgage rates in Kansas City?
Current mortgage rates in Kansas City can change throughout the week and may move more than once during a business day. The rate available to an individual borrower depends on market conditions, credit profile, down payment, loan amount, property type, occupancy, points and rate-lock period. Review the sample rates and update time on this page, then request a personalized quote for the property and loan scenario you are considering.
Are mortgage rates currently going down in Kansas City?
Mortgage rates can move up or down from one business day to the next. Kansas City lenders generally respond to the same national bond-market conditions as lenders elsewhere, but individual pricing also depends on the borrower, property and loan structure. Check the update timestamp above and request a personalized quote before making a lock decision.
Do mortgage rates differ between Kansas and Missouri?
The underlying interest rate does not automatically change because a home is in Kansas rather than Missouri. However, title charges, recording costs, property taxes, homeowners insurance, assistance programs and escrow requirements can affect the total payment and cash needed at closing. Compare a complete Loan Estimate for the specific property rather than comparing interest rates alone.
How can I qualify for a better mortgage rate?
Strong credit, a lower loan-to-value ratio and stable income can improve mortgage pricing, but there is no single profile that guarantees the lowest rate. Compare multiple combinations of rate, APR, points and lender credits. Avoid opening new credit, increasing card balances or changing employment before closing without first speaking with your loan advisor.
What is the difference between a zero-point rate and a rate with points?
A zero-point option does not charge discount points to obtain the displayed rate. Paying points may lower the rate, but the upfront cost should be compared with the expected monthly savings and the time you plan to keep the loan.
Why are Kansas City mortgage rates different from national average mortgage rates?
National mortgage rate averages are based on standardized borrower assumptions and do not reflect your individual loan scenario. Your Kansas City mortgage rate depends on factors such as credit score, loan amount, down payment, property type, occupancy, points and rate-lock period. A personalized Loan Estimate is more useful than a national average when comparing actual financing options.
Should I compare mortgage rates from multiple Kansas City lenders?
Yes. Comparing multiple lenders allows you to evaluate the interest rate, APR, lender credits, discount points, estimated payment, closing costs and overall loan structure using the same borrower and property assumptions. The lowest advertised rate is not always the lowest overall borrowing cost.
Are the rates on this page guaranteed?
No. The rates are sample pricing based on stated assumptions and may change without notice. A rate is not secured until the lender confirms the loan details and issues a valid rate-lock agreement.
How often do Kansas City mortgage rates change?
Mortgage pricing can change daily and may change more than once during volatile markets. The effective date and time above indicate when the displayed sample rates were last reviewed.
When does refinancing make sense?
Refinancing may make sense when the expected monthly or interest savings exceed the closing costs within the time you expect to keep the loan. It can also help shorten the term, change loan type, remove mortgage insurance or access equity. Calculate the break-even period instead of relying only on a specific rate-drop threshold.
How much are mortgage closing costs?
Closing costs vary by loan program, property, loan amount and transaction. They may include lender charges, appraisal, title services, recording fees and other third-party costs. Prepaid interest, homeowners insurance and initial escrow deposits also affect cash to close but are different from lender fees. Your Loan Estimate provides the most useful property-specific comparison.
Why Kansas City Borrowers Trust Metropolitan Mortgage
Online rate tables are a starting point. Metropolitan Mortgage Corporation combines current Kansas City home mortgage rates with local guidance for properties, taxes, insurance and closing practices on both sides of the state line.
- Serving borrowers since 1997: Local mortgage experience across changing rate and housing cycles.
- Kansas and Missouri coverage: Guidance for buyers throughout the bi-state Kansas City metro.
- Multiple loan programs: Conventional, jumbo, FHA, VA, USDA, first-time buyer and refinance options.
- Local loan guidance: Scenario-specific comparisons of rate, APR, points, payment and cash to close.
- In-house support: A local team available to help coordinate documentation and closing milestones.
- Transparent assumptions: Each live rate table is paired with the loan profile used for the example.
Reviewed by a Kansas City Mortgage Professional
Rick Woodruff, Senior Mortgage Advisor — NMLS #248984
Rick Woodruff has more than 30 years of mortgage-lending experience and advises homebuyers and homeowners throughout the Kansas and Missouri sides of the Kansas City metro. He reviews this page for rate presentation, loan-program accuracy and local financing context.
Last professional review: July 15, 2026
Kansas City Mortgage Rate Resources
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Request Your Personalized Kansas City Mortgage Rate Quote
Sample rates are a useful starting point, but your actual options depend on the property, loan amount, credit profile, down payment and closing date. Request a personalized comparison of rate, APR, points, payment and estimated cash to close.