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Key Takeaways for Kansas Home Buyers:

Here's what you need to know to get started if you’re looking at buying in the Sunflower State.

Average Home Prices in Kansas

As of September 2025, the median sale price for a single-family home in Kansas is $239,914.

Average home price:

  • Kansas City: $195,350
  • Wichita: $198,019
  • Topeka: $198,173
  • Overland Park: $459,585

Source: zillow.com/home-values

Average Home Size in Kansas

The average size for a single-family home in Kansas is approximately 1,999 square feet.

Average home size:

  • Kansas City: 2,066 square feet
  • Wichita: 1,976 square feet
  • Topeka: 1,796 square feet
  • Overland Park: 2,751 square feet

Source: https://fred.stlouisfed.org/

Kansas State Taxes

  • Kansas has individual income tax rates that progress from 3.10%, to 5.25%, and up to 5.70% depending on income level.
  • Kansas' sales tax rate is 6.50%, with local additions raising the average combined rate across the state to about 8.65%.
  • Kansas’ average effective property tax rate on owner-occupied homes is approximately 1.34% of the home value.

How Much Can You Afford in Kansas?

Ideal
Monthly Payment:
$750.00

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$750.00
$1050
$1350

Mortgage Questions?
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By submitting this form, I/we agree to your Privacy Policy, Email and Mobile Policy, Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

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Kansas Down Payment Assistance Programs

National Homebuyers Fund FHA Program

This down payment assistance program helps buyers get into a home with little to no upfront cost, offering up to 101.5% financing through an FHA first mortgage and a second lien.

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More about this program
  • FHA loan covers 96.5% of the purchase price
  • Second lien covers 3.5% or 5% for down payment or closing costs
  • Minimum credit score: 600 (660 for manual underwriting)
  • No first-time buyer requirement
  • No max DTI with DU/LP approval
  • Homebuyer education required (Fannie Mae HomeView – free online)
  • Non-occupant co-borrowers allowed
  • Eligible properties: Single-family homes, duplexes (2 units), PUDs, condos (agency approved), townhomes, manufactured homes allowed (except single-wides)

National Community Lending Program

This program supports low- to moderate-income buyers with down payment assistance and flexible financing to make homeownership more accessible.

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More about this program
  • 30-year fixed-rate conventional mortgage
  • Second lien offers up to 4% for down payment assistance
  • Max LTV/CLTV: 97% / 105%
  • Income limit: Up to 140% of area median income (AMI)
  • Minimum credit score: 660
  • DTI: Lesser of 50% or AUS approval
  • Eligible properties: Single-family detached or attached homes, single-family homes with accessory units (must be zoned single-family), PUDs and condominiums, rural properties (must be residential in nature)

KansasDPA Program

The KansasDPA Program provides statewide down payment assistance to help both first-time and repeat home buyers purchase a home. The program offers a 30-year fixed-rate first mortgage (FHA, VA, USDA, or Conventional) with grant assistance based on a percentage of the loan amount—funds that never have to be repaid.

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More about this program

Program Highlights:

  • Available to first-time and repeat home buyers statewide
  • Grant assistance (non-repayable) based on a percentage of the first mortgage amount
  • Minimum 640 credit score required
  • Income limits up to approximately $136,920 (varies by county)
  • No minimum borrower investment required
  • Works with FHA, VA, USDA, and Conventional loans
  • Fast closing process with no program delays
  • Allows residential properties exceeding 10 acres
  • Charter Level Mortgage Insurance (starting at 18%) available for conventional borrowers at or below 80% AMI
  • Builds equity immediately through granted assistance and first mortgage payments

Churchill Mortgage is an approved lender for these down payment assistance programs. Contact us today to see if you qualify!

Frequently Asked Questions

Check our FAQs for responses to our most popular questions from Kansas home buyers.

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How Much Should I Budget for Closing Costs in Kansas?

Closing costs in Kansas usually range from 2% to 5% of the home’s purchase price. These costs may include fees for appraisals, inspections, title insurance, and lender charges. Your loan officer can give you a personalized estimate based on your purchase.

For example, on a $300,000 home, buyers can expect to pay between $6,000 and $15,000 in closing costs. 

Bank
What Are the Most Popular Home Loan Types in Kansas?

The most common loans among Kansas buyers are:

  • Conventional Loans – Flexible terms with competitive interest rates. Often preferred by buyers with strong credit and larger down payments, though options with as little as 3% down are available.

  • FHA Loans – Backed by the Federal Housing Administration, these are popular with first-time buyers. They allow lower credit scores and down payments starting at 3.5%.

  • VA Loans – Available to eligible veterans, active-duty service members, and surviving spouses. VA loans require no down payment and no private mortgage insurance (PMI).

  • USDA Loans – Designed for qualifying buyers in rural and suburban areas. These loans also offer no down payment and reduced mortgage insurance costs.

  • KansasDPA Program – The Kansas Down Payment Assistance Program (KansasDPA) helps both first-time and repeat home buyers statewide with a non-repayable grant for down payment and closing costs. The program offers 30-year fixed-rate loans (FHA, VA, USDA, or Conventional) with no borrower investment required, flexible income limits, and Charter Level Mortgage Insurance options for qualifying conventional buyers.
Collaboration
How Can I Find a Trusted Local Kansas Realtor to Work With?

Churchill Mortgage's experienced Home Loan Specialists work closely with a network of trusted, local real estate agents across the state of Kansas. Just ask for a referral and we'll provide you with a professional who is committed to finding the right home for you.

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How Do Schools Rank in Kansas?

Kansas’s public schools perform at a strong level overall, with several districts consistently recognized for academic excellence, student achievement, and college readiness.

  • Top-rated districts include Blue Valley School District and Andover Public Schools, both of which frequently rank among the best in the state.

  • Notable schools such as Corinth Elementary School and Cottonwood Point Elementary School stand out for strong math and reading proficiency scores.

  • The Kansas State Department of Education tracks school and district performance through its Building Report Card system, which measures academic achievement, growth, and readiness indicators.

For complete school and district data—including test scores, graduation rates, and accountability metrics—visit the Kansas School Report Card.

Reviews from Kansas Home Buyers

★ ★ ★ ★ ★

"The Churchill Mortgage team we worked with were very professional and kind, even working with us during off hours to get us into our home. They were prompt with responses and helped walk us through the process. Many Americans don't think that a home can be bought without credit, but we did it with Churchill."

Garrhett M.
Wichita, KS
★ ★ ★ ★ ★

"As a first-time home buyer, Joanna made the home buying experience a breeze. She was on top of everything and was truly the guide in the process. I highly recommend working with her."

Zachary G.
Scot City, KS
★ ★ ★ ★ ★

"My particular situation was what I would say extremely unique. Not only was this the first lender who listened to my entire saga but continued to help me to get into a loan and did all the paperwork and even went above and beyond to speak with my Realtor, adult siblings, and anyone that I requested her to speak with! I will be forever grateful for this lender and plan to return hands down with all my loan needs!"

Elaine E.
Rose Hill, KS

4.9 / 5

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Kansas Branch Locations

Churchill Loan Officers in Kansas

Conforming and high balance allowed. Cooperative housing not eligible. Not all applicants will qualify. Not a commitment to lend. Other restriction or limitations to any program may apply.

This calculator is being provided for educational purposes only. The provided values for interest rates are examples only and do not reflect Churchill Mortgage Product terms & offers. The results are estimates that are based on information you provided and may not reflect Churchill Mortgage Product terms. The information cannot be used by Churchill Mortgage to determine a customer's eligibility for a specific product or service. All financial calculators are provided by a third-party and are not controlled by or under the control of Churchill Mortgage. Churchill Mortgage is not responsible for the content, results, or the accuracy of information.

These calculations are hypothetical examples designed to for illustration purposes only. Consult a Home Loan Specialist for more specific information regarding payments, terms, etc.

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.