Mortgage Rates in Kansas — March 2026
Compare current mortgage rates across 39 cities in Kansas. The average 30-year fixed rate is 6.7%, which is 0.05% above the national average of 6.65%.
Kansas Housing Highlights
All 39 Cities in Kansas
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Wichita | 6.74% | $175,000 | $907 | 397,532 |
| Overland Park | 6.74% | $365,000 | $1,892 | 197,238 |
| Kansas City | 6.74% | $135,000 | $700 | 156,607 |
| Olathe | 6.74% | $335,000 | $1,736 | 141,290 |
| Topeka | 6.74% | $145,000 | $752 | 127,473 |
| Lawrence | 6.74% | $265,000 | $1,374 | 94,934 |
| Shawnee | 6.71% | $180,000 | $930 | 65,513 |
| Lenexa | 6.74% | $345,000 | $1,788 | 55,625 |
| Manhattan | 6.74% | $265,000 | $1,374 | 54,832 |
| Salina | 6.74% | $155,000 | $803 | 46,994 |
| Hutchinson | 6.24% | $125,000 | $615 | 40,006 |
| Leavenworth | 6.76% | $184,000 | $956 | 37,836 |
| Leawood | 6.76% | $168,000 | $873 | 34,659 |
| Garden City | 6.56% | $175,000 | $890 | 28,451 |
| Dodge City | 6.18% | $155,000 | $758 | 27,898 |
| Derby | 6.76% | $202,000 | $1,049 | 25,315 |
| Emporia | 6.32% | $115,000 | $571 | 24,334 |
| Gardner | 6.78% | $168,000 | $874 | 23,364 |
| Junction City | 6.65% | $167,000 | $858 | 22,988 |
| Prairie Village | 6.76% | $175,000 | $909 | 22,368 |
| Hays | 6.84% | $156,000 | $817 | 21,024 |
| Pittsburg | 6.61% | $174,000 | $890 | 20,216 |
| Liberal | 6.86% | $180,000 | $945 | 19,826 |
| Newton | 6.9% | $172,000 | $906 | 19,105 |
| Great Bend | 6.62% | $178,000 | $911 | 14,888 |
| Andover | 6.87% | $168,000 | $882 | 14,072 |
| McPherson | 6.63% | $153,000 | $784 | 13,155 |
| El Dorado | 6.87% | $184,000 | $967 | 12,868 |
| Ottawa | 6.81% | $187,000 | $976 | 12,667 |
| Winfield | 6.74% | $159,000 | $824 | 12,301 |
| Arkansas City | 6.77% | $167,000 | $868 | 11,974 |
| Lansing | 6.72% | $189,000 | $978 | 11,947 |
| Haysville | 6.73% | $165,000 | $854 | 11,266 |
| Merriam | 6.64% | $155,000 | $795 | 11,003 |
| Atchison | 6.7% | $157,000 | $810 | 10,530 |
| Parsons | 6.78% | $167,000 | $869 | 9,656 |
| Chanute | 6.64% | $157,000 | $805 | 9,119 |
| Coffeyville | 6.64% | $173,000 | $888 | 9,024 |
| Independence | 6.65% | $149,000 | $765 | 8,651 |
Kansas Mortgage Rates Guide — 2026
Kansas homebuyers currently see an average 30-year fixed mortgage rate of 6.7%, with median home prices around $184,333. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $952.
The most affordable city for homebuyers in Kansas is Emporia, where the median home price is $115,000. On the other end, Overland Park has the highest prices at $365,000. Property tax rates across the state average 1.41%.
To comfortably afford a home at the state average price, a household income of approximately $40,800 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Kansas Mortgages
What are current mortgage rates in Kansas?
As of March 2026, the average 30-year fixed mortgage rate in Kansas is 6.7% and the 15-year fixed rate averages 5.94%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Kansas?
The median home price across 39 cities in Kansas is $184,333. Prices range from $115,000 in Emporia to $365,000 in Overland Park.
How much income do I need to buy a house in Kansas?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $40,800 to comfortably afford the average home in Kansas. The median household income in the state is approximately $55,332.
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