This week's pricing
Pricing is national and set by the file, not by the state line. What varies by state is everything around it — taxes, assistance, loan limits — which is the rest of this page.
These are survey averages, not offers. Source: Freddie Mac Primary Mortgage Market Survey, retrieved from FRED (Federal Reserve Bank of St. Louis), series MORTGAGE30US. Survey week ending October 1, 2026; retrieved by us on October 1, 2026. Not a quote, not a commitment to lend, and not a rate available to any particular borrower.
No APR is stated with these figures because none exists to state. The Primary Mortgage Market Survey reports note rates only; an annual percentage rate depends on the finance charges of a specific transaction, which a national survey does not collect. These are third-party market observations, not rates offered by BankPricer, and no credit is offered on their terms.
Both series, with their 52-week context
| Product | Survey average | Prior week | 52-week low | 52-week high |
|---|---|---|---|---|
| 30-year fixed | 7.28% | 7.03% | 5.98% | 7.28% |
| 15-year fixed | 6.60% | 6.42% | 5.35% | 6.60% |
Survey averages for the week ending October 1, 2026 (Freddie Mac Primary Mortgage Market Survey via FRED, retrieved October 1, 2026). These are weekly national averages from a survey of lenders, not quotes and not offers of credit. The published survey basis is a conventional, conforming, owner-occupied purchase loan with an 80% loan-to-value ratio and a borrower with strong credit; it is an average across lenders and regions, so no individual borrower was offered it. Your own rate depends on your credit profile, loan amount, loan-to-value ratio, occupancy, property type, lock period and program, and your annual percentage rate will be higher than any note rate once costs are included. Rates change without notice. This is not a commitment to lend.
Any payment figure elsewhere on this site reflects principal and interest only and does not include property taxes, homeowners insurance, mortgage insurance, or HOA dues — your actual monthly obligation will be greater.
We archive every retrieval, so the figures shown on any given day can be shown to be the figures that were published on that day.
What actually shapes the Kansas market
Home values well under the national median
Census five-year estimates for 2020 to 2024 put the median owner-occupied home in Kansas at $217,200. The national figure is $332,700. The state number hides a wide spread, though. Johnson County sits at $391,200, Sedgwick County (Wichita) at $203,300, and Wyandotte County (Kansas City, KS) at $172,300. At those prices most Kansas buyers run into credit and cash-to-close limits long before they run out of debt-to-income room.
Property tax is set county by county
The Tax Foundation puts the Kansas effective property tax rate on owner-occupied homes at 1.21%, with counties running from 0.91% to 1.93%. The mechanics are simple once you see them. Your county appraiser values the home as of January 1, residential property is assessed at 11.5% of that value, and your local mill levy is applied to the result. Since 2024 the first $75,000 of appraised value has been exempt from the 20-mill statewide school levy. At the state median and the state average rate, the tax comes to about $2,628 a year, or $219 a month. Lenders count every dollar of it in your debt-to-income ratio, so the county you pick moves what you qualify for.
Illustrative example only, not a quote. Your county's mill levy and your home's appraised value set the real number.
No transfer tax, and no mortgage tax since 2019
Kansas does not tax the transfer of a deed. It used to charge a mortgage registration tax of 0.26% of the loan amount, which hit only buyers who financed. The Legislature phased it down starting in 2015, and it reached zero on January 1, 2019. Counties raised their per-page recording fees to cover part of the lost revenue, so recording still costs something. It is a page count now, not a percentage of your loan.
Kansas City is two states
The Kansas City metro covers 14 counties. Five are in Kansas: Johnson, Leavenworth, Linn, Miami, and Wyandotte. The other nine are in Missouri. Your tax bill and your assistance options depend on which state the house sits in, so two houses a mile apart can carry different costs. BankPricer originates on the Kansas side. Missouri is not one of our licensed states.
Kansas buyers start with a cheaper house and a lighter closing bill than buyers in most states. The loan is where that head start gets kept or given back.
Loan programs in Kansas
- Conventional loans follow Fannie Mae and Freddie Mac guidelines. Both agencies allow as little as 3% down on certain first-time buyer programs, and mortgage insurance can come off at 80% loan-to-value. FHFA set the 2026 baseline conforming limit at $832,750 for a one-unit home, and few Kansas purchases get anywhere near it.
- FHA loans are common in Wichita and Kansas City, KS, where prices sit near or below the state median. HUD sets the minimum down payment at 3.5% with a 580+ credit score, and mortgage insurance is part of the cost on most terms.
- VA loans need no down payment for eligible borrowers with full entitlement, and carry no monthly mortgage insurance. Kansas is home to Fort Riley, Fort Leavenworth, and McConnell Air Force Base outside Wichita.
- USDA guaranteed loans need no down payment on eligible rural properties. A lot of Kansas outside the metros may qualify. Check the exact address on USDA's eligibility map, not the county.
- DSCR loans qualify on the property's rent instead of your personal income. We publish Wichita and Overland Park.
- A HELOC is a second lien, so it leaves an existing low first-mortgage rate alone.
Kansas markets we publish
Sedgwick County; home values close to the state median.
Johnson County; values well above the state median.
Wyandotte County; the Kansas side of the metro, lower entry pricing.
How to compare offers in Kansas
- Compare on the Loan Estimate, not on the rate. Page 2 carries the fees; page 3 carries the five-year cost and the APR. A lower rate with higher fees frequently loses.
- Compare on the same day. Pricing moves intraday, so a quote from Tuesday and a quote from Friday are not a comparison of lenders.
- Compare on the same lock period. A 30-day lock prices better than a 60-day lock; matching that up is a common way people compare two different things.
- Count the property tax line. In Kansas it changes by county and moves your debt-to-income ratio, which moves what you qualify for, not just what you pay.
- Check assistance eligibility before you write an offer. KHRC's program runs through participating lenders and inspects the property, so it has to be part of the plan from the start.
Questions we get about Kansas
- What first-time buyer help exists in Kansas?
- Kansas Housing Resources Corporation runs a First Time Homebuyer program funded by the federal HOME program. It is a 0% forgivable second mortgage for down payment and closing costs, forgiven if you stay in the home 10 years. Household income has to be at or below 80% of the area median, and you put in some of your own money. It cannot be used in Johnson County or inside the city limits of Kansas City, Lawrence, Topeka, or Wichita, because those areas get their own federal housing funds and run their own programs. Kansas also has a first-time home buyer savings account with a state income tax deduction, run through the State Treasurer. Amounts and income limits change every year, so check KHRC before you count on a number.
- Does Kansas charge a transfer tax or a mortgage tax?
- No state transfer tax, and the mortgage registration tax is gone. That tax was 0.26% of the loan amount until the Legislature phased it out starting in 2015; it reached zero on January 1, 2019. You still pay the county register of deeds a per-page recording fee, and your Loan Estimate will show it.
- I am buying in the Kansas City area. Does the side of the state line matter?
- Yes. The metro spans Kansas and Missouri, and taxes, assistance programs, and lender licensing all follow the state line. On the Kansas side, Wyandotte County's effective property tax rate is about 1.39% and Johnson County's is about 1.12%, per the Tax Foundation. KHRC's first-time buyer program does not cover Johnson County or Kansas City, KS. BankPricer originates on the Kansas side only; Missouri is not one of our licensed states.
Already have a Loan Estimate for a Kansas property?
Send it over. You get where the rate, the points, and the fees sit against the current wholesale panel — including the case where the offer you have is already good and the answer is to take it.
Other states
Figures on this page
Every figure on this page was checked against its source on September 30, 2026. Two kinds change on a schedule and should be re-checked before each refresh:
- Home values and effective property tax rates (Census American Community Survey 2020-2024 five-year estimates; Tax Foundation, Property Taxes by State and County, 2026). Both update once a year.
- KHRC First Time Homebuyer terms and income limits change by program year. Verify against kshousingcorp.org.