Get today's lowest Johnson County, KS Mortgage Rates.

Get the current, verified Johnson County mortgage rates from your trusted local lender, Metropolitan Mortgage. Whether you’re purchasing a dream home in Leawood or refinancing in Olathe, we offer competitive rates and personalized service right here in the JoCo area.

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Comprehensive Johnson County Mortgage Rates Table

Find the perfect loan term for your financial goals, whether you’re locking in a low rate for a decade or minimizing your monthly payment over 30 years.

Loan Program	Term	Interest Rate	Annual Percentage Rate (APR)	Points
Conventional Fixed	30-Year	5.990%	6.169	0
Conventional Fixed	20-Year	5.625%	6.743	0
Conventional Fixed	15-Year	5.375%	5.522	0
Jumbo Fixed	30-Year	6.250%	6.859	1
VA Loan	30-Year	5.500%	5.632	0

Disclaimer: Rates are subject to change and are based on a specific LTV, credit score, and loan amount. Contact us for a personalized quote

Loans Specific to Johnson County Needs

Given the higher property values and median income in this county, we highlight loan products crucial for JoCo borrowers:

Jumbo Loan Focus: Johnson County is a primary market for Jumbo Loans. These non-conforming mortgages are required when the loan amount exceeds the national limit (currently $832,750. Our competitive Jumbo rates are essential for purchases in areas like Mission Hills and Prairie Village. Learn more about the latest conforming loan limits in Johnson County, KS.

Explore More Loan Options

Kansas Mortgage Rates: Return to our full Kansas Mortgage Rates hub for other regional comparisons.

Compare Loan Terms: Learn how the repayment term impacts your payments and interest paid with our guide to 30-Year Fixed Rates.

Connect with Your Local Johnson County Loan Officer

We are a local lender committed to the Johnson County community. When you work with us, you’re partnering with a local expert who understands the unique real estate market from Olathe to Overland Park.

Rick Woodruff

Senior Mortgage Consultant, Johnson County

Phone: (913) 871-5370
NMLS #248984

I’ve been helping families in Olathe and Overland Park find their perfect home loan for 30 years. My priority is securing the most competitive rate possible for your JoCo purchase.

Schedule a Consultation near Overland Park →

Johnson County Housing Market Update

The Johnson County housing market is consistently one of the strongest in the Midwest, characterized by high demand and strong property values in areas like Overland Park and Olathe.

While national rates drive the baseline, the high median home price in JoCo means many buyers utilize Jumbo Loans, which have their own rate structure. We are also seeing a strong demand for 15-Year Fixed loans from established homeowners seeking to pay off their mortgages faster, often due to significant equity gains.

Our local expertise helps navigate these dynamics, ensuring you get the most competitive rate based on the specific market conditions in Leawood and Lenexa.

Johnson County Mortgage FAQs

Q: What are the conforming loan limits for Johnson County, KS?

A: The standard conforming loan limit is currently $832,750. Any loan amount exceeding this figure in Johnson County requires a Jumbo Loan.

Q: How much is the average down payment for a home in Overland Park?

A: While a 20% down payment is common to avoid PMI, many buyers utilize lower down payment options. Speak with us to explore options that fit your specific financial situation.

Q: Can I get pre-approved for a home loan entirely online in Johnson County?

A: Yes, our streamlined process allows you to complete your pre-approval application online quickly. We combine this digital efficiency with local support from our Johnson County team.