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Mortgage Calculator &
Closing Costs: Olathe, KS

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Olathe, Kansas.

Median Home Price
$365K
Population
141K
Avg Monthly Rent
$1,380
Property Tax Rate
1.41%
Olathe vs Kansas Median
The median home price in Olathe is $365,000, which is 62% above the Kansas state median of $225,000.

Mortgage Calculator — Olathe, KS

Pre-filled with Olathe median home price and Kansas tax/insurance rates. Adjust for your property.

$
$73,000
%
%
years
KS avg
%
$
Monthly Payment (PITI)
$2,517
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,846
per month
Taxes & Insurance
$671
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$429
Homeowners Insurance$242
Total Monthly PITI$2,517

Closing Costs — Olathe, KS

Estimated closing costs based on Kansas rates and fees applied to Olathe prices.

$
%
Kansas: Avg closing costs 1.3% of price. Transfer tax: 0%.
Estimated Closing Costs
$13,162
3.6% of purchase price
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$6,834
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Prepaid Taxes (3 mo)$1,287
Prepaid Insurance (12 mo)$2,900
Prepaid Interest (15 days)$878
Escrow Reserves$1,770
Total Closing Costs$13,162

Buying a Home in Olathe, Kansas

The median home price in Olathe is $365,000, 62% above the Kansas state median of $225,000. With a population of 141,290, Olathe is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Kansas average 1.41% annually. This moderate property tax rate means a $365,000 home in Olathe would carry roughly $429/month in property taxes. Homeowners insurance in Kansas runs approximately $2,900 per year. This is within the normal range nationally.

Average rent in Olathe is $1,380/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Olathe presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Olathe.
Rent vs Buy Calculator →
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