Finding the best mortgage rates in Kansas requires looking past national averages and focusing on factors unique to the Sunflower State—from specific local market dynamics in Wichita, Topeka, and Johnson County to state-level property tax rules that impact your total monthly payment.
While the Kansas City Metro is the state’s largest housing market, we provide specialized mortgage solutions across every county, including rural USDA-eligible regions and independent metros across the state.
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Current Kansas Mortgage Rates
The following rates reflect today’s averages for borrowers in the Kansas metro area, assuming a strong credit profile (FICO 740+) and a 20% down payment. Rates are updated daily via our internal data feed.
Conventional fixed-rate mortgage
Below is a conforming fixed-rate estimated monthly payment and APR example.
| 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% | |||
| 7 Yr ARM | Initial: $1,727 (adjusts after 7 years) | |||
| 5 Yr ARM | Initial: $1,680 (adjusts after 5 years) | |||
Minimum credit score is 620. Learn more about Conventional loans.
FHA mortgages
Below is an FHA estimated monthly payment and APR example.
| 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% |
Minimum credit score is 640. Learn more about FHA Loans.
VA mortgages
Below is a VA estimated monthly payment and APR example.
| 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% |
Minimum credit score is 640. Learn more about VA Loans.
USDA mortgages
Below is a USDA estimated monthly payment and APR example.
| TERM | Example Payment* | |||
|---|---|---|---|---|
| 30-year fixed | 360 payments of $1,744 at 5.625% |
Minimum credit score is 640. Learn more about USDA Loans.
Jumbo mortgages
Below is a jumbo estimated monthly payment and APR example.
| 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) |
Minimum credit score is 680. Learn more about Jumbo Loans. View the official Kansas Conforming Loan Limits by County.
Homebuyers looking for the most competitive kansas city mortgage rates can now find conventional financing options with lower down payment requirements.
2026 Kansas Mortgage Rate Forecast & Market Analysis
As of early 2026, Kansas buyers are seeing a “healthy normalization” in the housing market. While national institutions like Fannie Mae project rates could dip toward 5.9% by Q4 2026, local Kansas buyers are currently navigating an average 30-year fixed rate in the low 6% range.
Key 2026 Insights for Kansas Buyers:
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Affordability Gains: For the first time since 2020, typical monthly payments are expected to fall by roughly 1.3% as home price growth moderates and rates stabilize.
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Inventory Recovery: Kansas inventory is projected to rise by nearly 9%, giving buyers more leverage in negotiations than they have had in three years.
The “Kansas Tax Signal”: Why Your Rate is Only Half the Story
The most significant state-level factor affecting your monthly payment is the Kansas property tax system. Kansas law mandates a specific assessment ratio that directly dictates the amount held in your escrow account.
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Residential Assessment Ratio: Residential properties in Kansas are assessed at 11.5% of their appraised market value.
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The Mill Levy Impact: Your final bill depends on the local mill levy. For example, while Johnson County may have higher home prices, its mill levy (~24.1) is often lower than in urban areas like Wyandotte (~160.0), significantly shifting the monthly “all-in” payment.
Because mill levies vary significantly by municipality, it is critical to look at city-specific data. For a complete breakdown of Shawnee County local assessments, visit our guide to Topeka Mortgage Rates.
Kansas Property Tax Estimator
Calculated using the Kansas 11.5% residential assessment ratio.
📅 Planning Your 2026 Home Purchase?
Timing the market is critical for first-time buyers and repeat movers alike. Before you lock in your rate, explore our expert analysis on the 2026 Mortgage Rate Forecast to see how inventory and inflation are expected to shift the spring buying season.
Kansas First-Time Home Buyer Savings Account (FHBSA)
A unique ranking signal for Kansas is the state-sponsored First-Time Home Buyer Savings Account. This allows residents to deduct contributions from their state adjusted gross income, a benefit most national lenders ignore.
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Annual Deduction: Up to $3,000 for individuals or $6,000 for joint filers.
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Maximum Savings: Account holders can save up to $50,000 tax-free for a down payment or closing costs.
Kansas Regional Mortgage Resources & Silo
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Wichita: Explore Wichita Mortgage Rates for aerospace and manufacturing hub trends.
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Topeka: View Topeka Interest Rates for state-capital market stability.
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Johnson County: Monitor Johnson County Trends for high-demand suburban data.
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Kansas City Metro: View our detailed Kansas City Metro Rate Report.
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Missouri Hub: Compare these rates to our Missouri Mortgage Rates for a bi-state overview.
Frequently Asked Questions
What is the 2026 conforming loan limit for Kansas?
As of Febraury 2026, the baseline conforming loan limit for all counties in Kansas, including Johnson and Sedgwick, has increased to $832,750.
Does Kansas offer a first-time home buyer grant?
Yes. The Kansas Housing Resources Corporation (KHRC) offers a First-Time Homebuyer Program that can provide a 0% interest loan for 15% to 20% of the purchase price, which is fully forgiven if you remain in the home for 10 years.
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