Mortgage Rates in Eudora, Kansas — March 2026
Updated March 2026 | Based on Eudora market data and regional lending conditions
Eudora is a smaller Kansas community of 49,433 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.63% (0.02% below the national average). At a median home price of $177,500, the estimated $1,130/month payment (with 20% down) is affordable on the local median income of $51,500.
Current Mortgage Rates in Eudora, KS
Below are the current average mortgage rates available in the Eudora area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Eudora Housing Market Overview
At $177,500, Eudora offers more affordable housing than most U.S. metros. The local cost of living index is 94.9 (100 = national average), and the median household income of $51,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Eudora
Based on the median home price of $177,500 with 20% down ($35,500), here is what you can expect to pay monthly in Eudora:
15-Year vs. 30-Year Mortgage in Eudora
Choosing a 15-year mortgage in Eudora at 5.89% instead of a 30-year at 6.63% would save you $113,400 in total interest over the life of the loan. However, your monthly payment would be $1,190 instead of $910 — an increase of $280 per month.
Calculate Your Eudora Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Eudora
What are the current mortgage rates in Eudora, KS?
As of March 2026, the average 30-year fixed mortgage rate in Eudora, Kansas is 6.63%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Eudora?
Based on the median home price of $177,500 with 20% down, the estimated monthly mortgage payment in Eudora is $910 for principal and interest. Including property taxes of $220/month, the total monthly housing cost is approximately $1,130.
What income do I need to buy a home in Eudora?
Using the 28% rule, you would need an annual income of approximately $48,429 to afford the median-priced home in Eudora at $177,500. The median household income in Eudora is $51,500. The median income is currently sufficient to meet this threshold.
Is Eudora a good place to buy a home in 2026?
Eudora offers a below-average cost of living with a cost of living index of 94.9 (national average = 100). The property tax rate in Kansas is 1.49%, which is near the national average. Eudora has a population of 49,433 and offers a very affordable lifestyle.
Mortgage Rates in Other Kansas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Eudora, Kansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.