Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and Oklahoma. Updated for 2026.
Metric
Kansas
Oklahoma
Median Home Price
$225K
$210K
Property Tax Rate
1.41%
0.88%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.3%
1.3%
Transfer Tax
None
0.075%
Homeowners Insurance
$2,900/yr
$3,600/yr
First-Time Buyer Program
KHRC First-Time Homebuyer
Up to 4% DPA
OHFA Homebuyer DPA
Up to 3.5% DPA
Verdict
Oklahoma wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $210K and lower overall costs, Oklahoma offers meaningful savings compared to Kansas. Both states offer first-time buyer programs — explore the state pages for full details.