Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Indiana and Kansas. Updated for 2026.
Metric
Indiana
Kansas
Median Home Price
$240K
$225K
Property Tax Rate
0.84%
1.41%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.1%
1.3%
Transfer Tax
None
None
Homeowners Insurance
$1,700/yr
$2,900/yr
First-Time Buyer Program
IHCDA Next Home
Up to 6% DPA
KHRC First-Time Homebuyer
Up to 4% DPA
Verdict
Indiana wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Kansas has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.