Local Payment Tools for KC, Overland Park, and Jackson County
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 (Updated January 2026)
Before you calculate, understand the local variables. The Kansas City metro remains a high-value region, with prices stabilizing in early 2026 following the rate shifts of late 2025.
- Median Listing Price: $371,700 (Metro Average)
- Johnson County Average Sales Price: $563,562
- 2026 Effective Property Taxes: ~1.11% in Jackson County, MO vs. ~1.09% in Johnson County, KS
- Homeowners Insurance: Averages $2,828–$3,205/year based on local severe weather risk factors.
For a complete analysis of local trends, see our full Kansas City Housing Market Report.
Current Kansas City Mortgage Rates
Rates updated January 29, 2026. Estimates based on a 740+ credit score.
| Loan Type | Estimated Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.14% | 6.28% |
| 15-Year Fixed | 5.53% | 5.71% |
| FHA 30-Year | 5.75% | 6.45% |
🛠️ Specialized Localized Calculators
While the tool above handles standard PITI, these specialized tools help you dive deeper into specific Kansas City and Overland Park loan programs.
1. Affordability Calculator
Determine how much home you can truly afford based on your income, debts, and typical KC living costs (including local utility averages).
2. Refinance Savings Tool
With 2026 rates hovering near 6%, use this tool to see if dropping from a 2024 peak rate is financially worthwhile for your Missouri or Kansas property.
3. FHA Loan Estimator
Tailored for buyers in KCMO or KCK with as little as 3.5% down; includes the latest 2026 Mortgage Insurance Premiums (MIP).
4. VA Loan Calculator for KC Veterans
Serving our military community from Fort Leavenworth to Whiteman AFB with $0 down payment estimates and current VA funding fees.
🏆 Why Choose Metropolitan Mortgage’s Tools?
- Local Expertise: Built by loan officers who live and work right here in the Kansas City metro.
- Real-Time Data: Customized with January 2026 data on rates, taxes, and Jackson/Johnson county market trends.
- No Obligation: Completely free tools from a trusted, family-owned lender—we are here to provide clarity, not pressure.
Start planning your KC homeownership journey today. For personalized advice, contact our experts at 913-642-8300 or apply online now!