Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Colorado and Kansas. Updated for 2026.
Metric
Colorado
Kansas
Median Home Price
$520K
$225K
Property Tax Rate
0.51%
1.41%
Avg Closing Costs
$7K
$3K
Closing Cost %
1.4%
1.3%
Transfer Tax
0.01%
None
Homeowners Insurance
$3,200/yr
$2,900/yr
First-Time Buyer Program
CHFA Down Payment Assistance
Up to $25,000 second mortgage
KHRC First-Time Homebuyer
Up to 4% DPA
Verdict
Kansas wins 5 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 Colorado. Both states offer first-time buyer programs — explore the state pages for full details.