Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and Montana. Updated for 2026.
Metric
Kansas
Montana
Median Home Price
$225K
$430K
Property Tax Rate
1.41%
0.74%
Avg Closing Costs
$3K
$6K
Closing Cost %
1.3%
1.5%
Transfer Tax
None
None
Homeowners Insurance
$2,900/yr
$2,100/yr
First-Time Buyer Program
KHRC First-Time Homebuyer
Up to 4% DPA
MBOH Regular Bond Program
Up to $15,000 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 Montana. Both states offer first-time buyer programs — explore the state pages for full details.