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Mortgage Calculator &
Closing Costs: Salina, KS

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

Median Home Price
$175K
Population
47K
Avg Monthly Rent
$850
Property Tax Rate
1.41%
Salina vs Kansas Median
The median home price in Salina is $175,000, which is 22% below the Kansas state median of $225,000.

Mortgage Calculator — Salina, KS

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

$
$35,000
%
%
years
KS avg
%
$
Monthly Payment (PITI)
$1,333
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$885
per month
Taxes & Insurance
$448
per month
Total Interest Paid
$179K
over 30 years
Total Loan Cost
$319K
all payments
Payment Breakdown
Loan Amount$140,000
Principal & Interest$885
Property Taxes$206
Homeowners Insurance$242
Total Monthly PITI$1,333

Closing Costs — Salina, KS

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

$
%
Kansas: Avg closing costs 1.3% of price. Transfer tax: 0%.
Estimated Closing Costs
$9,048
5.2% of purchase price
Lender Fees
$1,685
origination, underwriting
Third-Party
$2,325
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$5,038
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,260
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,175
Recording Fee$150
Prepaid Taxes (3 mo)$617
Prepaid Insurance (12 mo)$2,900
Prepaid Interest (15 days)$421
Escrow Reserves$1,100
Total Closing Costs$9,048

Buying a Home in Salina, Kansas

The median home price in Salina is $175,000, 22% below the Kansas state median of $225,000. With a population of 46,994, Salina is a smaller market where home prices tend to be more accessible than in many parts of Kansas.

Property taxes in Kansas average 1.41% annually. This moderate property tax rate means a $175,000 home in Salina would carry roughly $206/month in property taxes. Homeowners insurance in Kansas runs approximately $2,900 per year. This is within the normal range nationally.

Average rent in Salina is $850/month. The price-to-rent ratio in Salina is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Salina offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Kansas's KHRC First-Time Homebuyer program.

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