Mortgage Refinance Rates in Kansas (2026)
With Kansas's median value near $235,000, a homeowner refinancing a typical $160,000 balance from about 7.50% to 6.25% saves roughly $134/month — breaking even on ~$4,000 of costs near month 30.
Whether you want a smaller payment or cash from your Kansas equity, the break-even is what decides if it is worth it. Kansas uses the $806,500 conforming baseline statewide.
Refinance snapshot by Kansas county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Johnson County | $420,000 | $806,500 | Baseline |
| Sedgwick County | $225,000 | $806,500 | Baseline |
| Shawnee County | $235,000 | $806,500 | Baseline |
| Leavenworth County | $235,000 | $806,500 | Baseline |
| Riley County | $235,000 | $806,500 | Baseline |
| Butler County | $235,000 | $806,500 | Baseline |
| Reno County | $235,000 | $806,500 | Baseline |
| Saline County | $235,000 | $806,500 | Baseline |
| Crawford County | $235,000 | $806,500 | Baseline |
| Geary County | $235,000 | $806,500 | Baseline |
| Finney County | $235,000 | $806,500 | Baseline |
| Ford County | $235,000 | $806,500 | Baseline |
| Montgomery County | $235,000 | $806,500 | Baseline |
| Lyon County | $235,000 | $806,500 | Baseline |
| Harvey County | $235,000 | $806,500 | Baseline |
| Cowley County | $235,000 | $806,500 | Baseline |
| Ellis County | $235,000 | $806,500 | Baseline |
| Miami County | $235,000 | $806,500 | Baseline |
| Franklin County | $235,000 | $806,500 | Baseline |
| Atchison County | $235,000 | $806,500 | Baseline |
| Wyandotte County | $190,000 | $806,500 | Baseline |
| Douglas County | $360,000 | $806,500 | Baseline |
Should you refinance in Kansas?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
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Refinance rates move daily and the right dip can save hundreds a month. We will tell you the moment it makes sense.
Frequently Asked Questions
- How much can refinancing save in Kansas?
- On a $160,000 balance near the Kansas median, dropping from ~7.50% to 6.25% saves about $134/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in Kansas for 2026?
- Most Kansas counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.