Mortgage on a $200K house in Kansas
$1,384 a month with 20% down — $1,076 principal and interest plus $207 property tax and $100 insurance.
Kansas's typical property tax is 1.24% of the home's value a year (U.S. average 0.9%), which adds $207 a month on a $200K home. The typical home in Kansas is worth $246,055, so $200K is 19% below the typical price.
$200K home in Kansas: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,000 | $160,000 | $1,076 | $0 | $307 | $1,384 | $59,300 |
| 10% down | $20,000 | $180,000 | $1,211 | $75 | $307 | $1,593 | $68,300 |
| 5% down | $10,000 | $190,000 | $1,278 | $79 | $307 | $1,665 | $71,300 |
| 3.5% down (FHA) | $7,000 | $196,378 | $1,321 | $88 | $307 | $1,717 | $73,600 |
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 $200K buy a typical home?
In these counties the typical home value is within 15% of $200K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Shawnee County | $205,296 | 1.5% | $1,426 |
| Morris County | $193,831 | 1.46% | $1,420 |
| Wyandotte County | $206,653 | 1.46% | $1,419 |
| Ford County | $206,809 | 1.52% | $1,430 |
| Lyon County | $192,806 | 1.55% | $1,435 |
| Anderson County | $192,110 | 1.37% | $1,405 |
| Harvey County | $191,899 | 1.51% | $1,427 |
| Geary County | $208,531 | 1.45% | $1,417 |
| Coffey County | $191,081 | 1.09% | $1,358 |
| Osage County | $209,072 | 1.49% | $1,425 |
| Kearny County | $189,811 | 1.05% | $1,351 |
| Atchison County | $185,797 | 1.32% | $1,397 |
82 of 105 Kansas counties tracked by Zillow have a typical home value at or below $200K. See all Kansas home prices.
Other prices in Kansas
Frequently asked questions
What is the mortgage on a $200K house in Kansas?
About $1,384 a month with 20% down at 7.11%: $1,076 principal and interest, $207 property tax and $100 insurance.
How much do I need to make to buy a $200K house in Kansas?
About $59,300 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $200K house in Kansas?
At Kansas's typical effective rate of 1.24%, about $2,489 a year. Rates vary by county and city — see the county pages.