Kansas mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Johnson County | 7,400 | 6.5% | $3,422 | 6.125% |
| Sedgwick County | 5,835 | 6.5% | $4,193 | 6.25% |
| Shawnee County | 1,789 | 6.624% | $3,377 | 6.25% |
| Wyandotte County | 1,448 | 6.625% | $3,882 | 6.25% |
| Leavenworth County | 994 | 6.5% | $4,262 | 6.062% |
| Douglas County | 964 | 6.625% | $3,023 | 6.25% |
| Butler County | 850 | 6.5% | $4,140 | 6.25% |
| Riley County | 634 | 6.4% | $3,598 | 6% |
| Reno County | 543 | 6.625% | $3,950 | 6.49% |
| Geary County | 487 | 6.25% | $5,014 | 5.99% |
| Miami County | 424 | 6.625% | $4,007 | 6.183% |
| Harvey County | 344 | 6.5% | $4,036 | 6.49% |
| Franklin County | 332 | 6.625% | $4,708 | 6.375% |
| Saline County | 305 | 6.5% | $3,346 | 6.25% |
| Pottawatomie County | 299 | 6.375% | $3,514 | 6.125% |
| Crawford County | 280 | 6.625% | $4,108 | 6.5% |
| Cowley County | 246 | 6.562% | $3,959 | 6.312% |
| Ford County | 232 | 6.375% | $5,025 | 6.25% |
| McPherson County | 229 | 6.625% | $3,816 | 6.375% |
| Jefferson County | 226 | 6.625% | $4,181 | 6.375% |
| Sumner County | 204 | 6.625% | $3,988 | 6.312% |
| Lyon County | 191 | 6.49% | $2,785 | 6.25% |
| Cherokee County | 188 | 6.75% | $4,452 | 6.433% |
| Montgomery County | 174 | 6.75% | $4,191 | 6.375% |
| Barton County | 170 | 6.5% | $3,146 | 6.625% |
| Finney County | 169 | 6.5% | $4,850 | 6.375% |
| Osage County | 164 | 6.625% | $3,628 | 6.25% |
| Dickinson County | 162 | 6.375% | $3,955 | 6.25% |
| Ellis County | 159 | 6.375% | $3,294 | 6.375% |
| Labette County | 144 | 6.625% | $4,369 | 6.49% |
| Atchison County | 114 | 6.5% | $5,003 | 6.375% |
| Seward County | 111 | 6% | $8,035 | 6.555% |
| Jackson County | 109 | 6.625% | $3,501 | 6.25% |
| Neosho County | 109 | 6.75% | $4,108 | 6.125% |
| Marion County | 95 | 6.625% | $4,134 | 6.5% |
| Linn County | 89 | 6.625% | $4,077 | 6.25% |
| Bourbon County | 85 | 6.625% | $3,670 | 6.375% |
| Nemaha County | 83 | 6.75% | $4,245 | 5.99% |
| Allen County | 81 | 6.75% | $3,463 | 7.075% |
| Pawnee County | 72 | 6.625% | $3,347 | 6.25% |
| Cloud County | 70 | 6.75% | $3,901 | 6.562% |
| Coffey County | 68 | 6.5% | $3,380 | 6.438% |
| Wabaunsee County | 68 | 6.5% | $3,658 | 6.125% |
| Doniphan County | 68 | 6.5% | $4,529 | 6.495% |
| Clay County | 66 | 6.5% | $4,170 | 5.99% |
| Kingman County | 65 | 6.5% | $4,235 | 6.375% |
| Pratt County | 60 | 6.625% | $3,539 | 6.625% |
| Wilson County | 60 | 6.75% | $4,182 | 6.5% |
| Morris County | 53 | 6.75% | $3,438 | 6.25% |
| Anderson County | 52 | 6.375% | $4,693 | 6.25% |
| Ottawa County | 49 | 6.495% | $4,293 | 6.188% |
| Rice County | 48 | 6.562% | $4,042 | 6.375% |
| Brown County | 47 | 6.312% | $5,096 | 6.188% |
| Thomas County | 42 | 6.5% | $4,379 | 6.125% |
| Marshall County | 41 | 6.5% | $4,888 | 6.495% |
| Harper County | 38 | 6.625% | $4,004 | 6.125% |
| Grant County | 37 | 6.5% | $5,072 | 6.495% |
| Russell County | 35 | 6.438% | $3,652 | 6.125% |
| Greenwood County | 31 | 6.625% | $3,108 | 7% |
| Mitchell County | 30 | 6.75% | $4,005 | 6.375% |
| Gray County | 28 | 6.5% | $5,217 | 6.125% |
| Sherman County | 28 | 6.625% | $5,634 | 6.25% |
| Stevens County | 26 | 6.562% | $5,627 | 6.312% |
| Republic County | 24 | 6.812% | $3,440 | 6.375% |
| Barber County | 24 | 6.75% | $4,552 | 6.312% |
| Phillips County | 22 | 6.625% | $4,144 | 6.375% |
| Chase County | 21 | 6.625% | $2,802 | 5.875% |
| Washington County | 20 | 6.875% | $6,128 | 6.312% |
| Edwards County | 20 | 6.75% | $4,416 | 6.75% |
| Rush County | 20 | 6.75% | $3,107 | 6.75% |
| Decatur County | 20 | 6.625% | $3,061 | 6.5% |
| Stafford County | 20 | 6.688% | $3,445 | 7.312% |
| Rooks County | 19 | 6.5% | $3,334 | 6.25% |
| Ellsworth County | 18 | 6.875% | $3,943 | 6.99% |
| Kearny County | 17 | 6.75% | $4,798 | 6.433% |
| Meade County | 16 | 6.688% | $4,840 | 6.37% |
| Ness County | 15 | 6.75% | $2,856 | n/a |
| Scott County | 14 | 6.625% | $4,810 | 5.99% |
| Woodson County | 14 | 7.125% | $2,980 | 8% |
| Elk County | 14 | 7% | $5,266 | n/a |
| Osborne County | 14 | 6.49% | $2,830 | 5.5% |
| Gove County | 13 | 6.375% | $3,183 | 5.99% |
| Haskell County | 12 | 6.375% | $4,360 | 6.188% |
| Norton County | 12 | 6.5% | $2,565 | 6.375% |
| Chautauqua County | 11 | 6.625% | $3,949 | 6.5% |
| Graham County | 11 | 6.75% | $3,668 | n/a |
| Clark County | 11 | 6.75% | $2,916 | n/a |
| Trego County | 11 | 6.433% | $2,512 | 6.438% |
| Logan County | 10 | 6.87% | $4,843 | 6.125% |
| Morton County | 10 | 6.375% | $4,291 | n/a |
| Smith County | 9 | 6.375% | $4,352 | n/a |
| Rawlins County | 9 | 6.625% | $3,969 | n/a |
| Kiowa County | 9 | 6.75% | $3,054 | n/a |
| Jewell County | 8 | 6.562% | $4,015 | n/a |
| Cheyenne County | 7 | 6.75% | $4,155 | n/a |
| Lincoln County | 7 | 6.75% | $2,610 | n/a |
| Lane County | 7 | 6.625% | $4,595 | n/a |
| Wichita County | 6 | 6.92% | $4,423 | n/a |
| Hamilton County | 6 | 6.75% | $5,297 | n/a |
| Hodgeman County | 6 | 6.683% | $5,050 | n/a |
| Greeley County | 6 | 6.558% | $4,097 | n/a |
| Sheridan County | refinance only | n/a | n/a | 6.25% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.