Mortgage Rates in Kansas: Today's Averages & 2026 Outlook
Kansas 30-year fixed rates are running around 6.87% — roughly 2 bps above the national average of 6.85%. Here's how KS rates stack up, what drives the spread, and the programs that can price you lower.
Today's Kansas rates by loan type
Estimates for Kansas based on the current national 30-year average of 6.85% plus the state's typical spread (+2 bps). Live national rate sourced daily from Freddie Mac PMMS via our rate feed. Your actual quote will depend on your credit, down payment, and lender.
What drives Kansas mortgage rates
National rates set the floor — Freddie Mac's weekly PMMS average is the benchmark almost every Kansas lender starts from. But KS typically prices about 2 basis points above that national average because of three local dynamics: the mix of loan types written in the state, lender density and competition, and how expensive the state is to close in.
Loan mix. Conventional dominant; USDA share strong outside KC and Wichita. The mix matters because FHA, VA, and USDA loans price differently than conventional — states with heavier government-loan share tend to show tighter buyer rates but higher fees.
Median loan size. The typical Kansas loan is around $210,000 on a $235,000 home. That size sits well inside conforming loan limits, so most KS buyers get standard agency pricing.
Refi activity. Refi activity is muted at current rate levels.
What a typical Kansas payment looks like
| Line item | Estimate |
|---|---|
| Median home price | $235,000 |
| Median loan amount (typical LTV) | $210,000 |
| 30-yr rate (state avg) | 6.87% |
| Monthly principal & interest | $1,379 |
| Est. full PITI (add ~30% for taxes/insurance) | ~$1,793 |
Directional math for Kansas in 2026. Add property taxes, homeowners insurance, PMI (if putting less than 20% down), and any HOA dues for a full monthly cost. Our mortgage calculator lets you plug in your exact numbers.
What's unique about financing in Kansas
What most KS borrowers use
Conventional dominant; USDA share strong outside KC and Wichita.
Below-market KS rate options
Kansas Housing First-Time Homebuyer program offers a rate discount plus DPA.
Is a refi worth it in KS?
Refi activity is muted at current rate levels.
Rate + grants + closing costs
A below-market rate is only one lever. Stack it with KS down-payment assistance and seller-paid closing costs. See KS grants → · KS closing costs →
Get matched with a Kansas lender — free
We'll match you with vetted KS lenders competing for your loan. Compare real Loan Estimates side-by-side — the same Kansas buyer can save $2,000–$5,000+ over the life of the loan by shopping three quotes.
Kansas mortgage rates: FAQ
What is today's mortgage rate in Kansas?▾
The average 30-year fixed mortgage rate in Kansas is around 6.87% — roughly 2 bps above the current national average of 6.85%. 15-year fixed loans run about 6.12%, FHA around 6.62%, and VA around 6.52%. Your actual rate depends on credit score, down payment, loan type, and lender competition — always compare Loan Estimates from at least three lenders.
How do Kansas mortgage rates compare to the national average?▾
Kansas rates typically sit slightly above (about 2 bps higher than) the US 30-year average. The spread reflects local lender competition, loan mix (conventional dominant; usda share strong outside kc and wichita.), and state-level closing-cost dynamics.
What monthly payment can I expect on a Kansas home?▾
On the median Kansas loan of $210,000 at 6.87% for 30 years, principal and interest run about $1,379/month — before property taxes, homeowners insurance, and (if applicable) PMI or HOA dues. Add roughly 25–35% to that P&I number to estimate a full PITI payment.
Are there special first-time homebuyer rate programs in Kansas?▾
Yes. Kansas Housing First-Time Homebuyer program offers a rate discount plus DPA. These state-agency programs typically pair a below-market rate with down payment assistance — worth comparing against a standard conventional loan before locking.
Should I refinance my Kansas mortgage right now?▾
Refi activity is muted at current rate levels. The break-even math: divide your total refi closing costs by your monthly payment savings — if you'll stay in the home longer than the payback period, refinancing pays off. Our free Refi Optimizer runs the numbers for you.