Assumable Mortgages in Kansas

Assumable Homes in Kansas

Kansas may be a smaller state by population, but its assumable property market punches above its weight — particularly in communities near Fort Riley and McConnell Air Force Base. Our Kansas dataset covers approximately 28,000 FHA and VA assumable homes across 781 census tracts, with a median note rate of 3.7%.

Fort Riley, home to the 1st Infantry Division, is one of the largest Army installations in the country and generates a dense concentration of VA assumable homes in the Manhattan and Junction City area. McConnell Air Force Base near Wichita similarly contributes VA assumable property to the Wichita metro. For buyers targeting military-adjacent communities, Kansas offers some of the most accessible VA assumable homes in the Great Plains region.

Wichita — Kansas's largest city — carries the most FHA assumable property in the state, with inventory concentrated in the city's east and south sides. Topeka, Overland Park, and Kansas City (Kansas side) also show meaningful assumable homes density.

At 6.2 years median age, Kansas assumable obligations skew toward the 2019–2022 origination window. The state's relatively low home prices mean the absolute dollar savings from assuming at 3.7% versus originating new are smaller than in coastal markets, but the percentage savings are comparable. Our Kansas data list covers all 105 counties at the census-tract level.