Mortgage on a $100K house in Kansas
$692 a month with 20% down — $538 principal and interest plus $104 property tax and $50 insurance.
Kansas's typical property tax is 1.24% of the home's value a year (U.S. average 0.9%), which adds $104 a month on a $100K home. The typical home in Kansas is worth $246,055, so $100K is 59% below the typical price.
$100K home in Kansas: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $20,000 | $80,000 | $538 | $0 | $154 | $692 | $29,700 |
| 10% down | $10,000 | $90,000 | $605 | $38 | $154 | $797 | $34,100 |
| 5% down | $5,000 | $95,000 | $639 | $40 | $154 | $832 | $35,700 |
| 3.5% down (FHA) | $3,500 | $98,189 | $661 | $44 | $154 | $858 | $36,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.24% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Where in Kansas does $100K buy a typical home?
In these counties the typical home value is within 15% of $100K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Elk County | $99,977 | 2.03% | $757 |
| Montgomery County | $102,011 | 1.72% | $732 |
| Morton County | $96,902 | 2.08% | $761 |
| Labette County | $96,287 | 1.65% | $725 |
| Wilson County | $104,584 | 1.48% | $712 |
| Stafford County | $104,776 | 1.59% | $721 |
| Decatur County | $105,339 | 1.79% | $738 |
| Greenwood County | $106,121 | 1.52% | $715 |
| Graham County | $106,776 | 1.83% | $740 |
| Ness County | $106,985 | 1.95% | $751 |
| Osborne County | $92,245 | 1.7% | $729 |
| Harper County | $92,115 | 1.78% | $737 |
11 of 105 Kansas counties tracked by Zillow have a typical home value at or below $100K. See all Kansas home prices.
Other prices in Kansas
Frequently asked questions
What is the mortgage on a $100K house in Kansas?
About $692 a month with 20% down at 7.11%: $538 principal and interest, $104 property tax and $50 insurance.
How much do I need to make to buy a $100K house in Kansas?
About $29,700 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $100K house in Kansas?
At Kansas's typical effective rate of 1.24%, about $1,245 a year. Rates vary by county and city — see the county pages.