Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Alabama and Kansas. Updated for 2026.
Metric
Alabama
Kansas
Median Home Price
$230K
$225K
Property Tax Rate
0.41%
1.41%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.4%
1.3%
Transfer Tax
None
None
Homeowners Insurance
$1,950/yr
$2,900/yr
First-Time Buyer Program
Alabama Housing Finance Authority Step Up
Up to $10,000 DPA
KHRC First-Time Homebuyer
Up to 4% DPA
Verdict
Kansas wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $225K and lower overall costs, Kansas offers meaningful savings compared to Alabama. Both states offer first-time buyer programs — explore the state pages for full details.