Kansas Mortgage Calculator (2026)
Calculate your monthly payment with Kansas-specific property tax (1.41%) and average insurance ($2,440/yr).
Monthly payment
Payment breakdown
Loan summary
Amortization schedule (first 12 + every 12 months)
| Month | Principal | Interest | PMI/MIP | Balance |
|---|---|---|---|---|
| 1 | $186.64 | $1,328.25 | $94.88 | $227,513 |
| 2 | $187.73 | $1,327.16 | $94.88 | $227,326 |
| 3 | $188.83 | $1,326.07 | $94.88 | $227,137 |
| 4 | $189.93 | $1,324.96 | $94.88 | $226,947 |
| 5 | $191.04 | $1,323.86 | $94.88 | $226,756 |
| 6 | $192.15 | $1,322.74 | $94.88 | $226,564 |
| 7 | $193.27 | $1,321.62 | $94.88 | $226,370 |
| 8 | $194.40 | $1,320.49 | $94.88 | $226,176 |
| 9 | $195.53 | $1,319.36 | $94.88 | $225,980 |
| 10 | $196.67 | $1,318.22 | $94.88 | $225,784 |
| 11 | $197.82 | $1,317.07 | $94.88 | $225,586 |
| 12 | $198.98 | $1,315.92 | $94.88 | $225,387 |
| 24 | $213.36 | $1,301.53 | $94.88 | $222,907 |
| 36 | $228.78 | $1,286.11 | $94.88 | $220,247 |
| 48 | $245.32 | $1,269.57 | $94.88 | $217,396 |
| 60 | $263.06 | $1,251.84 | $94.88 | $214,338 |
| 72 | $282.07 | $1,232.82 | $94.88 | $211,059 |
| 84 | $302.46 | $1,212.43 | $94.88 | $207,543 |
| 96 | $324.33 | $1,190.56 | $94.88 | $203,772 |
| 108 | $347.77 | $1,167.12 | $94.88 | $199,730 |
| 120 | $372.92 | $1,141.98 | — | $195,395 |
| 132 | $399.87 | $1,115.02 | — | $190,746 |
| 144 | $428.78 | $1,086.11 | — | $185,762 |
| 156 | $459.78 | $1,055.12 | — | $180,417 |
| 168 | $493.01 | $1,021.88 | — | $174,686 |
| 180 | $528.65 | $986.24 | — | $168,541 |
| 192 | $566.87 | $948.02 | — | $161,951 |
| 204 | $607.85 | $907.04 | — | $154,885 |
| 216 | $651.79 | $863.10 | — | $147,309 |
| 228 | $698.91 | $815.98 | — | $139,184 |
| 240 | $749.43 | $765.46 | — | $130,472 |
| 252 | $803.61 | $711.28 | — | $121,131 |
| 264 | $861.70 | $653.19 | — | $111,114 |
| 276 | $924.00 | $590.90 | — | $100,373 |
| 288 | $990.79 | $524.10 | — | $88,855 |
| 300 | $1,062.42 | $452.48 | — | $76,505 |
| 312 | $1,139.22 | $375.68 | — | $63,262 |
| 324 | $1,221.57 | $293.32 | — | $49,062 |
| 336 | $1,309.88 | $205.01 | — | $33,835 |
| 348 | $1,404.57 | $110.32 | — | $17,508 |
| 360 | $1,506.11 | $8.79 | — | $0 |
What the payment actually costs
Expect roughly $5,640 a year in property tax on a $400,000 home here. Kansas's effective rate of 1.41% ranks 15th of 51, compared with about 1.10% nationally — $470 a month that never appears in a quoted mortgage payment.
Homeowners insurance runs about $2,440 a year in Kansas, 3rd of 51 states and above the $1,552 national average. Together, tax and insurance add roughly $673 a month to the payment before you have paid a dollar of principal.
Insurance is the line to scrutinize here. At $2,440 a year Kansas is well above the national norm, usually a sign of concentrated catastrophe risk — wind, hail, wildfire or flood depending on the region. Quote the specific address before committing, because premiums vary far more within this state than the average implies, and some carriers have withdrawn from the highest-risk counties entirely.
How this fits the rest of your tax bill
Kansas taxes both income and property, so neither side offsets the other. Property tax at 1.41% ranks 15th of 51, and state income tax applies on top. Model both together when comparing against a no-income-tax state, because the comparison flips depending on how much house you buy relative to what you earn.
Housing costs compound with the rate. Kansas runs about 9% below national-average costs, so the same 1.41% rate applies to a smaller assessed value than it would elsewhere. A percentage rate is only half the number that matters; the base it applies to is the other half.
Property tax rates are effective statewide averages; your county assessor sets the actual figure and it varies widely within a state. See our methodology.