Mortgage Rates in Atchison, Kansas — March 2026
Updated March 2026 | Based on Atchison market data and regional lending conditions
Atchison is a growing city in Kansas with a population of 10,530. The current 30-year fixed mortgage rate in Atchison is 6.7%, which is 0.05% above the national average. With a median home price of $157,000 and a 20% down payment of $31,400, homebuyers can expect a monthly principal and interest payment of approximately $810.
Current Mortgage Rates in Atchison, KS
Below are the current average mortgage rates available in the Atchison area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Atchison Housing Market Overview
The Atchison housing market offers relatively affordable housing compared to many major cities. The median household income in Atchison is $51,100, and the cost of living index is 83 (national average = 100). Based on the 28% affordability rule, the median income in Atchison is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Atchison
Based on the median home price of $157,000 with 20% down ($31,400), here is what you can expect to pay monthly in Atchison:
15-Year vs. 30-Year Mortgage in Atchison
Choosing a 15-year mortgage in Atchison at 5.95% instead of a 30-year at 6.7% would save you $101,520 in total interest over the life of the loan. However, your monthly payment would be $1,056 instead of $810 — an increase of $246 per month.
Calculate Your Atchison Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Atchison
What are the current mortgage rates in Atchison, KS?
As of March 2026, the average 30-year fixed mortgage rate in Atchison, Kansas is 6.7%, while the 15-year fixed rate is 5.95%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Atchison?
Based on the median home price of $157,000 with 20% down, the estimated monthly mortgage payment in Atchison is $810 for principal and interest. Including property taxes of $195/month, the total monthly housing cost is approximately $1,005.
What income do I need to buy a home in Atchison?
Using the 28% rule, you would need an annual income of approximately $43,071 to afford the median-priced home in Atchison at $157,000. The median household income in Atchison is $51,100. The median income is currently sufficient to meet this threshold.
Is Atchison a good place to buy a home in 2026?
Atchison offers a below-average cost of living with a cost of living index of 83 (national average = 100). The property tax rate in Kansas is 1.49%, which is near the national average. Atchison has a population of 10,530 and offers a very affordable lifestyle.
Mortgage Rates in Other Kansas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Atchison, Kansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.