Secure the most competitive mortgage rates in Johnson County for 2026. Whether you are eyeing a luxury estate in Leawood or a family home in Olathe, we provide real-time updates on JoCo interest rates, including high-balance conventional and Jumbo loan programs. Below, you’ll find today’s APRs and tools to help you lock in a rate before your next move in the Johnson County market.
Live Market Data for
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.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-Year Fixed | 360 payments of $1,727 at 5.625% | |||
| 20-Year Fixed | 240 payments of $2,064 at 5.500% | |||
| 15-Year Fixed | 180 payments of $2,431 at 5.375% | |||
| 7 Yr ARM | Initial: $1,727 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $1,680 (adjusts after 5 years) | |||
*Example based on $300,000 loan. Assumptions: FICO 780+, 30% down, $300,000+ loan amount. Learn more about Conventional Loans.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,733 at 5.500% | |||
| 20-year fixed | 240 payments of $2,100 at 5.500% | |||
| 15-year fixed | 180 payments of $2,414 at 5.000% |
*Example based on $300,000 loan (includes MIP). Assumptions: FICO 640+, 3.5% down. Learn more about FHA loans.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,725 at 5.500% | |||
| 20-year fixed | 240 payments of $2,090 at 5.500% | |||
| 15-year fixed | 180 payments of $2,422 at 5.125% |
*Example based on $300,000 loan. VA funding fee may apply. Assumptions: FICO 640+, 0% down (for eligible veterans). Learn more about VA Loans.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,744 at 5.625% |
*Example based on $300,000 loan (includes guarantee fee). Assumptions: FICO 640+, 0% down (rural areas only). Learn more about USDA loans.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-Year Jumbo | 360 payments of $5,915 at 5.875% (for $1,000,000 loan) | |||
| 15-Year Jumbo | 180 payments of $8,304 at 5.750% (for $1,000,000 loan) | |||
| 7 Yr ARM | Initial: $5,677.89 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $5,600 (adjusts after 5 years) |
*Rates subject to change. Terms and conditions apply. Assumptions: FICO 680+, 25% down, loans over $832,750. Learn more about Jumbo Loans.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-Year Fixed | 360 payments of $1,797 at 5.990% | |||
| 20-Year Fixed | 240 payments of $2,082 at 5.625% | |||
| 15-Year Fixed | 180 payments of $2,430 at 5.375% | |||
| 7 Yr ARM | Initial: $1,773 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $1,749 (adjusts after 5 years) | |||
*Example based on $300,000 loan. Assumptions: FICO 780+, 30% down, $300,000+ loan amount. Learn more about refinancing.
Johnson County Mortgage Financing & Affordability
Securing a loan in Johnson County requires a strategy tailored to the area's premium property values. Because the median home price in Overland Park and Leawood often exceeds national averages, many borrowers here utilize Jumbo Loans, which carry unique rate structures and down payment requirements.
Beyond the interest rate, the "Kansas Tax Signal"—the state's 11.5% residential assessment ratio—plays a critical role in your monthly payment. For a deeper look at inventory and pricing trends, view our latest Johnson County Housing Market Report.
Whether you are leveraging the current conforming limit of $832,750 or seeking a 15-year fixed rate to maximize equity in Olathe or Lenexa, our local expertise ensures your financing is as competitive as the JoCo market itself.
Johnson County Mortgage FAQs
A: The standard conforming loan limit is currently $832,750. Any loan amount exceeding this figure in Johnson County requires a Jumbo Loan.
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.
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.
Ready to Find Your Johnson County Rate?
Start your personalized rate quote today and get matched with the best rate for your home in Olathe, Overland Park, or anywhere in JoCo.
Get Your Personalized Rate Quote →Only takes a few minutes.
Helped Over 10,000 Families Buy or Refinance in the Johnson County area
Real reviews from real Johnson County homeowners
Johnson County Mortgage Resource Center
Access local market intelligence and tools tailored for the 2026 Johnson County real estate market:
📍 Regional Benchmarks
- Kansas City: KC Metro Rates
- Wichita Metro: Wichita Comparison
- Topeka: Topeka Benchmarks
📋 High-Value Loan Programs
- Jumbo Loans: JoCo Jumbo Rates
- Fixed Options: 30-Year Fixed | 20-Year Fixed
- New Construction: Olathe/Lenexa ARM Options
📊 JoCo Market Intelligence
- 2026 Forecasts: Rates Trend Analysis
- Refinance Strategy: Refinance Guide
- Score Impact: Credit Score Requirements
🛡️ Specialized Education
- Rate Lock: When to Lock Your Rate
- APR vs. Rate: Understanding the APR
- Historical Data: Kansas Rate Trends