Navigating the Capital City’s real estate market in 2026 requires a specialized local strategy focused on government-sector stability and geographic demand. Demand remains exceptionally high for properties near the Kansas State Capitol and the healthcare corridor, as well as historic neighborhoods like Westboro, Potwin Place, and College Hill near Washburn University. With Shawnee County inventory seeing a projected 8.9% recovery and local conforming loan limits reaching $832,750, Topeka buyers now have significantly more leverage and financing flexibility than in previous years.
Current Mortgage Rates Table – Topeka, KS
Live Market Data for
| 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.
Topeka Property Tax Estimator (2026)
Estimate your annual property taxes for Shawnee County.
Get Your Personalized Rate Quote
Mortgage rates can vary based on your credit score, down payment, and loan term. Get an accurate, no-obligation quote tailored to your specific scenario from our Topeka-based experts today.
Topeka Neighborhood Mortgage Insights (2026)
Success in the Capital City’s real estate market requires more than just a low rate; it requires a strategy tailored to Topeka’s unique geographic pockets and stable government-sector employment base.
Historic & Central Topeka (66604, 66606)
Demand remains intense for historic architecture in Potwin Place and Westboro. When financing 1920s-era homes, we specialize in navigating appraisal challenges common to older foundations and lead-safe requirements.
West Topeka Expansion (66614, 66615)
With some of the highest resale values in Shawnee County, West Topeka buyers often utilize 2026’s increased $832,750 conforming limit to avoid Jumbo pricing. Perfect for families targeting the Washburn Rural school district.
Specialized Topeka Loan Programs
- State Employee Stability: For employees at the Kansas State Capitol or Washburn University, we offer streamlined underwriting that recognizes your stable employment history.
- VA Military Advantage: Personnel at Forbes Field or relocating from Fort Riley can access 0% down VA loans with no private mortgage insurance.
- Topeka DPA Programs: We guide first-time buyers through local grants like the TOTO (Topeka Opportunity To Own) program and FHLBank Topeka’s 2026 HOPE and HSP+ funds which offer up to $25,000 in assistance.
Topeka Mortgage Resource Center
Utilize our local Shawnee County tools and market intelligence to secure your 2026 home loan:
📍 Kansas Metro Comparison
- Wichita Metro: Wichita Rate Feed
- Kansas City: KC Benchmarks
- Shawnee County: Regional County Trends
📋 Topeka Loan Programs
- Fixed Rates: 30-Year Fixed | 15-Year Fixed
- Specialized: Topeka ARM Options
- State Employees: Conventional Guidelines
📊 Market Intelligence
- 2026 Forecasts: Kansas Rate Predictions
- Expert Tips: How to Get the Best Rate
- Score Impact: Credit Score Requirements
🛡️ Topeka Buying Strategy
- Rate Lock: When to Lock in Topeka
- Streamline: VA Streamline Rates
- Trends: Historical Trends
Rick Woodruff
Senior Mortgage Advisor | NMLS #227722
With over 25 years of experience in the Kansas market, Rick specializes in Topeka’s unique historic neighborhoods and government-sector financing. As an expert in Shawnee County property benchmarks, he helps buyers leverage local grants like TOTO and navigate 2026’s new conforming loan limits.