Mortgage Calculator Kansas City
Mortgage Calculators & Quick Tools
Start planning your home budget today; use our free and accurate tools to see a full PITI breakdown of your estimated payments.
📈 Kansas City Housing Market Snapshot (January 2026)
Before you calculate, understand the local variables. The Kansas City metro remains a high-value region, though 2026 has seen a stabilization in prices following the rate shifts of late 2025.
- Median Listing Price: $371,500 (Metro Average)
- Johnson County Median: $559,500
- Average Property Taxes: 1.19% in Jackson County, MO vs. 1.17% in Johnson County, KS
- Homeowners Insurance: Averages $3,800/year due to regional weather factors.
Today’s Kansas City Mortgage Rates
Rates updated January 14, 2026. Estimates based on 740+ credit score.
| Loan Type | Estimated Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.01% | 6.12% |
| 15-Year Fixed | 5.40% | 5.58% |
| FHA 30-Year | 5.62% | 6.30% |
🛠️ Specialized Localized Calculators
While the tool at the top handles standard PITI, these specialized tools help you dive deeper into specific Kansas City loan programs.
1. Affordability Calculator
Determine how much home you can truly afford based on your income, debts, and typical KC living costs ($250/mo average utilities).
2. Refinance Savings Tool
With 2026 rates near 6%, see if dropping from your 2024 peak rate is financially worthwhile for your KC home.
3. FHA Loan Estimator
Tailored for buyers in KCMO or KCK with as little as 3.5% down; includes up-to-date Mortgage Insurance Premiums (MIP).
4. VA Loan Calculator for KC Veterans
Serving our military community near Fort Leavenworth with $0 down payment estimates and 2026 VA funding fees.
🏆 Why Choose Metropolitan Mortgage’s Tools?
- Local Expertise: Built by loan officers who live and work in the Kansas City metro.
- Real-Time Data: Customized with 2026 data on rates, taxes, and market trends.
- No Obligation: Free tools from a trusted lender—we are here to help, not pressure you.
Start planning your KC homeownership today. For personalized advice, contact our experts at 913-642-8300 or apply online now!