Overland Park, KS Mortgage Calculator
Calculate your estimated mortgage payment for a home in Overland Park, KS. Pre-filled with Overland Park's average home price of $380,000, local property tax rate of 1.35%, and typical insurance costs.
$380,000
Avg. Home Price
1.35%
Property Tax Rate
$2,100
Avg. Annual Insurance
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? Monthly payment PITI with taxes & insurance included
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? Bi-weekly payment PITI if paid every other week
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? The date of the last payment
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? The date of the last bi-weekly payment
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? Total interest paid
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? Total interest paid if bi-weekly payments made
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? Monthly property tax paid (included in above PITI payment)
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? Monthly Home Insurance paid (included in above PITI payment)
Overland Park, KS Mortgage Overview
The average home in Overland Park costs around $380,000. With a 20% down payment of $76,000, you would need a loan of $304,000.
Overland Park homeowners pay a property tax rate of approximately 1.35%, which translates to about $5,130 per year on the average home. Annual homeowners insurance in Overland Park averages around $2,100.
What Affects Your Overland Park Mortgage Payment?
Your monthly PITI payment in Overland Park includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Overland Park’s property taxes average 1.35%, lower than the Kansas state average of 1.41%
- Insurance — homeowners insurance in Overland Park averages $2,100/year
Tips for Overland Park Home Buyers
- Compare rates from multiple Overland Park lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Overland Park first-time buyer programs — many Kansas cities offer down payment assistance or reduced rates for first-time buyers
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