How Much Does It Cost to Buy a House in Kansas?

Kristy Snyder

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Kristy Snyder

October 5th, 2022
Updated October 5th, 2022

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Costs to buy a house in Kansas | Kansas closing costs | Kansas house buying calculator | Homeownership costs | How to save when buying a home in Kansas

The average home buyer in Kansas spends between $18,723 and $63,120 when purchasing a $214,970 home — the state median value.

Keep in mind, this is just the cost of buying a home. After you close, you'll still need to budget for all the ongoing costs of homeownership.

If you're looking for ways to cut down on the costs of buying a home, Clever Real Estate can help. We're an agent-matching service that can help you compare real estate agents in your local area. All of our agents offer local expertise to keep more money in your pocket.

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Average cost to buy a house in Kansas

Expense
Amount
$2,150 to $6,449
$7,524 to $42,994
$1,975 to $2,962
$5,325
$250
$250
$1,250 to $4,890
Total
$18,723 to $63,120

Buyer closing costs in Kansas

While the other costs to buy a house in Kansas are pretty transparent, Kansas closing costs are a bit more nuanced. They're actually a series of smaller costs lumped together into one total. Here's a breakdown of all of the Kansas closing costs you'll likely pay when buying a home.

Closing cost
Amount
Closing fee
$215
Recording fee
$317
Title service fees
$393
Origination fee
$1,075
Underwriting fee
$600
Discount points
$1,720 per point
Lender's title insurance
$288
Owner's title insurance
$717
Prorated property tax
Varies
Transfer tax
No transfer tax in Kansas
Total
$5,325

Keep in mind, closing costs are often negotiable. However, to win the negotiation battle, you'll need a great agent who can work out a deal with the seller. Clever can match you with a top agent in your area that can get the seller to shoulder more of the above costs.

Contact us at Clever for top agent recommendations.

Cost to buy a house in Kansas calculator

Ongoing costs of homeownership in Kansas

Unfortunately, the cost to buy a house is just the beginning. After closing, you'll officially own the home and begin paying for the ongoing costs of homeownership.

Expense
Average monthly cost
Mortgage (principle and interest)
$987
Homeowners insurance
$218
Taxes
Varies but averages $253 statewide
Maintenance
$178
Utilities
$388
Total
$2,024
Note: All numbers are estimates based on state averages and a median home value of $214,970 and a down payment of 20%.

Besides the expenses outlined above, you'll also want to consider private mortgage insurance (PMI) and homeowner's association (HOA) fees.

  • If you pay less than 20% as a down payment on your house, you'll probably have to pay PMI monthly until you get to 20% equity. For the average Kansas homeowner, this is between $94 to $317 a month.
  • Some neighborhoods have HOA fees for the care and maintenance of common areas. The national average is around $250 per month.

» MORE: The true cost of homeownership

Top ways to save money when buying a house in Kansas

1. Look into better financing options

Paying off debts and getting your credit in the best shape possible before applying for a loan will help you get a better interest rate, which will lower your monthly payments for the life of the loan.

You can also shop around to compare lenders so you get the lowest fees and interest rates available. It may be a good idea to enlist the help of a mortgage broker if you're not sure how to go about vetting lenders.

Get Pre-approved Today!

Get matched with a lender who can tell you how much house you can afford. To get started, where do you plan on buying?

2. Participate in home buyer programs Kansas

Buyers in Kansas have a few statewide home buyer programs to choose from. Kansas Housing’s First Time Homebuyer program provides down payment assistance to eligible first-time buyers throughout the state.

There’s also the national non-profit organization Habitat for Humanity, which allows you to use “sweat equity” through volunteerism to help afford a home. The HUD website also lists a few programs based on location, including rural community and state-sponsored programs.

» MORE: First-time home buyer programs everyone should know about

3. Partner with an expert agent

Having an expert agent on your side can ensure you win the negotiating battle with the seller.

Clever can help match you with a knowledgeable, hyper-local agent that knows the ins and outs of how to save you money on your local fees. And best of all, our service is totally free!

👋 Find your perfect agent now!

Finding a great local realtor is the first step in making your home buying dreams a reality. Our free service matches you with top agents from trusted brands like Keller Williams and RE/MAX.

Enter your zip code to request hand-picked agent matches in minutes. Compare your options until you find the perfect fit, or walk away with no obligation. Try Clever's free service today!

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