Wichita remains one of the most affordable housing markets in the U.S. for 2026. Whether you are relocating to the "Air Capital of the World" or upgrading in Sedgwick County, our daily updated rates help you maximize your buying power.
Rates effective as of:
The Wichita Advantage
Written by Metropolitan Mortgage Editorial Team | Expertly Reviewed by Rick Woodruff – Senior Loan Officer (NMLS #248984)
Current Mortgage Rates Table – Wichita, KS
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-Year Fixed | 360 payments of $1,797 at 5.990% | |||
| 20-Year Fixed | 240 payments of $2,085 at 5.625% | |||
| 15-Year Fixed | 180 payments of $2,431 at 5.375% | |||
| 7 Yr ARM | Initial: $1,775 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $1,751 (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 $1,752 at 5.750% | |||
| 15-year fixed | 180 payments of $2,410 at 5.250% |
*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 $1,703 at 5.500% | |||
| 20-year fixed | 240 payments of $2,064 at 5.500% |
*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 $1,774 at 5.875% |
*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 $6,157 at 6.250% (for $1,000,000 loan) | |||
| 15-Year Jumbo | 180 payments of $8,171 at 5.500% (for $1,000,000 loan) | |||
| 7 Yr ARM | Initial: $6,157 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $6,076 (adjusts after 5 years) |
*Rates subject to change. Terms and conditions apply. Assumptions: FICO 680+, 25% down, loans over $806,500. 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.
*Rates are estimates based on data and vary by credit score. See our Credit Score Impact Guide for details.
2026 Market Trend: Wichita mortgage rates have stabilized following the Federal Reserve’s December updates. While national averages hover near 6.3%, Wichita borrowers often secure more competitive terms due to local lender incentives and stable property values.
Why Wichita is a “Smart Buy” in 2026
While national headlines focus on high costs, the Wichita metro offers a unique advantage. Median home prices in Sedgwick County remain a haven of affordability at approximately $245,000, compared to over $460,000 in the neighboring Johnson County market. While Wichita is affordable, Topeka remains the capital of value. Compare our Topeka mortgage rates and local TOTO grant eligibility.
Specific Opportunities for Wichita Residents:
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The Aerospace & Tech Advantage: We specialize in financing for employees at Spirit AeroSystems, Textron Aviation, and Bombardier. We understand your unique pay structures and offer specialized FHA and VA programs with $0 down options.
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Military Families: For those stationed at McConnell AFB, our VA loan experts provide same-day pre-approvals to help you compete in high-demand areas like Derby and Andover.
Wichita-Specific Homebuyer Programs
Leverage these 2026 tools to overcome down payment hurdles:
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City of Wichita HOMEownership 80 Program: 0% interest second mortgages for eligible buyers within city limits.
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KHRC First-Time Homebuyer Program: A forgivable “soft-second” mortgage—ideal for young professionals in College Hill or Riverside.
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FHLBank Topeka 2026 TurnKey: Exclusive grants for eligible first-time buyers in the Wichita metro area.
2026 Wichita Housing Forecast
According to the WSU Center for Real Estate, Wichita home prices are projected to see a 2.2% appreciation rate through 2026. Buying now allows you to build equity before the expected spring rush. For a deep dive, see our 2026 Wichita Housing Market Report.
Where to Buy in Sedgwick County:
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East Wichita & Andover: Premium schools (Andover District) and upscale developments like Wilson Estates.
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West Wichita & Maize: Fast-growing sector with modern construction near New Market Square.
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Riverside & College Hill: High long-term value retention in historic, character-rich neighborhoods.
Wichita Mortgage FAQ
What are current Wichita rates?
As of January 2026, 30-year fixed rates in Wichita average between 6.125% – 6.30%, though specific rates vary by credit score and loan type.
Is 2026 a good time to buy in Wichita?
Yes. With wages growing faster than home prices in the “Great Housing Reset” of 2026, affordability in Wichita is at a 4-year high.
Wichita Property Tax Estimator (2026)
Estimate your annual property taxes for Sedgwick County.
Wichita Mortgage Resource Center
Explore additional tools and market data to help you navigate the 2026 Wichita housing market:
📍 Regional Benchmarks
- Statewide: Kansas Mortgage Rates
- Kansas City: KC Metro Comparison
- Topeka: Topeka Rate Feed
📋 Program Guides
- Fixed Rates: 30-Year Fixed | 15-Year Fixed
- High Value: Wichita Jumbo Loans
- Comparison: Fixed vs. ARM Guide
📊 Market Intelligence
- 2026 Forecasts: Rates Trend Analysis
- Expert Advice: How to Get the Best Rate
- Credit Impact: Credit Score Guide
🛡️ Buying Strategy
- Rate Lock: When to Lock Your Rate
- Definitions: Interest Rate vs. APR
- Trends: Historical Rate Trends