Local costs · Kansas
What a home costs across Kansas
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Kansas, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,583 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Kansas charges no state transfer or recording tax on a home purchase.
- Title insurance
- Kansas uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Kansas income tax is modeled at about 3.92% effective for a married household at $100,000 (4.78% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 105 counties in Kansas
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Allen County | 1.67% | $940–$2,100typical $1,450 |
| Anderson County | 1.37% | $1,080–$2,410typical $1,660 |
| Atchison County | 1.32% | $1,060–$2,360typical $1,630 |
| Barber County | 1.70% | $2,110–$4,710typical $3,250 |
| Barton County | 1.68% | $1,140–$2,550typical $1,760 |
| Bourbon County | 1.57% | $1,330–$2,970typical $2,050 |
| Brown County | 1.24% | $1,120–$2,490typical $1,720 |
| Butler County | 1.46% | $1,420–$3,180typical $2,190 |
| Chase County | 1.37% | $1,490–$3,320typical $2,290 |
| Chautauqua County | 1.51% | $1,970–$4,390typical $3,030 |
| Cherokee County | 1.22% | $1,030–$2,290typical $1,580 |
| Cheyenne County | 1.30% | $1,090–$2,440typical $1,680 |
| Clark County | 1.94% | $2,130–$4,760typical $3,280 |
| Clay County | 1.32% | $1,090–$2,420typical $1,670 |
| Cloud County | 1.70% | $1,250–$2,800typical $1,930 |
| Coffey County | 1.09% | $1,110–$2,480typical $1,710 |
| Comanche County | 2.15% | $3,090–$6,890typical $4,750 |
| Cowley County | 1.65% | $1,310–$2,930typical $2,020 |
| Crawford County | 1.06% | $980–$2,190typical $1,510 |
| Decatur County | 1.79% | $1,210–$2,700typical $1,860 |
| Dickinson County | 1.47% | $990–$2,200typical $1,520 |
| Doniphan County | 1.07% | $1,110–$2,470typical $1,700 |
| Douglas County | 1.22% | $920–$2,040typical $1,410 |
| Edwards County | 1.58% | $1,320–$2,940typical $2,030 |
| Elk County | 2.03% | $1,940–$4,340typical $2,990 |
| Ellis County | 1.24% | $1,120–$2,510typical $1,730 |
| Ellsworth County | 1.47% | $1,270–$2,830typical $1,950 |
| Finney County | 1.44% | $1,290–$2,890typical $1,990 |
| Ford County | 1.52% | $1,180–$2,640typical $1,820 |
| Franklin County | 1.41% | $1,070–$2,390typical $1,650 |
| Geary County | 1.44% | $930–$2,070typical $1,430 |
| Gove County | 1.46% | $1,130–$2,520typical $1,740 |
| Graham County | 1.82% | $1,180–$2,620typical $1,810 |
| Grant County | 1.51% | $1,140–$2,550typical $1,760 |
| Gray County | 1.49% | $1,270–$2,840typical $1,960 |
| Greeley County | 1.89% | $1,010–$2,260typical $1,560 |
| Greenwood County | 1.52% | $1,620–$3,610typical $2,490 |
| Hamilton County | 1.49% | $1,000–$2,230typical $1,540 |
| Harper County | 1.78% | $1,440–$3,220typical $2,220 |
| Harvey County | 1.51% | $1,010–$2,260typical $1,560 |
| Haskell County | 1.45% | $1,250–$2,800typical $1,930 |
| Hodgeman County | 1.66% | $1,350–$3,020typical $2,080 |
| Jackson County | 1.14% | $1,280–$2,860typical $1,970 |
| Jefferson County | 1.26% | $890–$1,990typical $1,370 |
| Jewell County | 1.93% | $1,550–$3,470typical $2,390 |
| Johnson County | 1.14% | $840–$1,870typical $1,290 |
| Kearny County | 1.05% | $1,170–$2,610typical $1,800 |
| Kingman County | 1.74% | $1,510–$3,360typical $2,320 |
| Kiowa County | 1.11% | $1,790–$4,000typical $2,760 |
| Labette County | 1.65% | $990–$2,200typical $1,520 |
| Lane County | 1.32% | $1,240–$2,760typical $1,900 |
| Leavenworth County | 1.21% | $910–$2,030typical $1,400 |
| Lincoln County | 1.46% | $1,170–$2,610typical $1,800 |
| Linn County | 1.16% | $990–$2,220typical $1,530 |
| Logan County | 1.64% | $1,050–$2,330typical $1,610 |
| Lyon County | 1.55% | $1,050–$2,330typical $1,610 |
| Marion County | 1.62% | $1,050–$2,330typical $1,610 |
| Marshall County | 1.23% | $1,140–$2,550typical $1,760 |
| McPherson County | 1.37% | $1,070–$2,380typical $1,640 |
| Meade County | 1.35% | $1,900–$4,250typical $2,930 |
| Miami County | 1.27% | $1,010–$2,260typical $1,560 |
| Mitchell County | 1.66% | $1,290–$2,890typical $1,990 |
| Montgomery County | 1.73% | $1,120–$2,510typical $1,730 |
| Morris County | 1.47% | $1,250–$2,780typical $1,920 |
| Morton County | 2.08% | $1,260–$2,810typical $1,940 |
| Nemaha County | 0.96% | $1,120–$2,510typical $1,730 |
| Neosho County | 1.47% | $1,010–$2,260typical $1,560 |
| Ness County | 1.95% | $1,270–$2,840typical $1,960 |
| Norton County | 1.70% | $1,460–$3,250typical $2,240 |
| Osage County | 1.49% | $1,140–$2,550typical $1,760 |
| Osborne County | 1.70% | $1,270–$2,830typical $1,950 |
| Ottawa County | 1.66% | $1,200–$2,670typical $1,840 |
| Pawnee County | 2.03% | $1,350–$3,020typical $2,080 |
| Phillips County | 1.80% | $1,350–$3,020typical $2,080 |
| Pottawatomie County | 1.14% | $1,240–$2,770typical $1,910 |
| Pratt County | 1.74% | $1,480–$3,290typical $2,270 |
| Rawlins County | 1.56% | $1,110–$2,470typical $1,700 |
| Reno County | 1.63% | $1,410–$3,150typical $2,170 |
| Republic County | 1.79% | $1,420–$3,180typical $2,190 |
| Rice County | 1.52% | $1,200–$2,680typical $1,850 |
| Riley County | 1.46% | $990–$2,220typical $1,530 |
| Rooks County | 1.93% | $1,550–$3,470typical $2,390 |
| Rush County | 1.87% | $1,270–$2,830typical $1,950 |
| Russell County | 1.86% | $1,160–$2,580typical $1,780 |
| Saline County | 1.31% | $1,010–$2,250typical $1,550 |
| Scott County | 1.65% | $1,110–$2,480typical $1,710 |
| Sedgwick County | 1.21% | $920–$2,040typical $1,410 |
| Seward County | 1.67% | $1,310–$2,930typical $2,020 |
| Shawnee County | 1.49% | $770–$1,730typical $1,190 |
| Sheridan County | 1.49% | $1,140–$2,550typical $1,760 |
| Sherman County | 1.59% | $1,190–$2,650typical $1,830 |
| Smith County | 1.83% | $1,530–$3,410typical $2,350 |
| Stafford County | 1.59% | $1,440–$3,200typical $2,210 |
| Stanton County | 2.46% | $1,020–$2,280typical $1,570 |
| Stevens County | 1.88% | $1,180–$2,640typical $1,820 |
| Sumner County | 1.58% | $1,180–$2,620typical $1,810 |
| Thomas County | 1.41% | $1,090–$2,420typical $1,670 |
| Trego County | 1.45% | $1,250–$2,780typical $1,920 |
| Wabaunsee County | 1.28% | $1,540–$3,440typical $2,370 |
| Wallace County | 1.34% | $1,060–$2,360typical $1,630 |
| Washington County | 1.37% | $1,250–$2,800typical $1,930 |
| Wichita County | 1.74% | $1,080–$2,410typical $1,660 |
| Wilson County | 1.48% | $1,040–$2,320typical $1,600 |
| Woodson County | 1.93% | $1,120–$2,510typical $1,730 |
| Wyandotte County | 1.46% | $960–$2,150typical $1,480 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.