Kansas Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Kansas. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.09%
Avg APR
15yr Fixed
6.49%
Avg APR
Median Price
$220,000
Median home
Monthly P&I
$1,173
30yr at 80% LTV
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Top Mortgage Lenders in Kansas
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Kansas
- ✓KHRC First-Time Homebuyer Program
- ✓Kansas Targeted Homebuyer Down Payment Assistance
Mortgage Requirements in Kansas
- •Min 640 credit score for KHRC programs
- •Income and purchase price limits apply
- •DTI under 45%
Kansas Housing Market Facts
Wichita and Kansas City KS offer strong value for first-time buyers.
Kansas has no transfer tax, reducing closing costs.
USDA loans available for rural areas covering much of the state.
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