Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between California and Kansas. Updated for 2026.
Metric
California
Kansas
Median Home Price
$785K
$225K
Property Tax Rate
0.73%
1.41%
Avg Closing Costs
$9K
$3K
Closing Cost %
1.2%
1.3%
Transfer Tax
0.11%
None
Homeowners Insurance
$2,200/yr
$2,900/yr
First-Time Buyer Program
CalHFA Dream For All
Up to 20% shared appreciation loan
KHRC First-Time Homebuyer
Up to 4% DPA
Verdict
California and Kansas are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.