Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and Michigan. Updated for 2026.
Metric
Kansas
Michigan
Median Home Price
$225K
$240K
Property Tax Rate
1.41%
1.54%
Avg Closing Costs
$3K
$4K
Closing Cost %
1.3%
1.5%
Transfer Tax
None
0.86%
Homeowners Insurance
$2,900/yr
$1,800/yr
First-Time Buyer Program
KHRC First-Time Homebuyer
Up to 4% DPA
MSHDA DPA
Up to $7,500 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 Michigan. Both states offer first-time buyer programs — explore the state pages for full details.