Mortgage Rates in Park City, Kansas — March 2026
Updated March 2026 | Based on Park City market data and regional lending conditions
Park City is a growing city in Kansas with a population of 8,068. The current 30-year fixed mortgage rate in Park City is 6.85%, which is 0.2% above the national average. With a median home price of $155,000 and a 20% down payment of $31,000, homebuyers can expect a monthly principal and interest payment of approximately $813.
Current Mortgage Rates in Park City, KS
Below are the current average mortgage rates available in the Park City 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Park City Housing Market Overview
The Park City housing market offers relatively affordable housing compared to many major cities. The median household income in Park City is $63,400, and the cost of living index is 81.4 (national average = 100). Based on the 28% affordability rule, the median income in Park City is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Park City
Based on the median home price of $155,000 with 20% down ($31,000), here is what you can expect to pay monthly in Park City:
15-Year vs. 30-Year Mortgage in Park City
Choosing a 15-year mortgage in Park City at 6.07% instead of a 30-year at 6.85% would save you $103,500 in total interest over the life of the loan. However, your monthly payment would be $1,051 instead of $813 — an increase of $238 per month.
Calculate Your Park City 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 Park City
What are the current mortgage rates in Park City, KS?
As of March 2026, the average 30-year fixed mortgage rate in Park City, Kansas is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Park City?
Based on the median home price of $155,000 with 20% down, the estimated monthly mortgage payment in Park City is $813 for principal and interest. Including property taxes of $191/month, the total monthly housing cost is approximately $1,004.
What income do I need to buy a home in Park City?
Using the 28% rule, you would need an annual income of approximately $43,029 to afford the median-priced home in Park City at $155,000. The median household income in Park City is $63,400. The median income is currently sufficient to meet this threshold.
Is Park City a good place to buy a home in 2026?
Park City offers a below-average cost of living with a cost of living index of 81.4 (national average = 100). The property tax rate in Kansas is 1.48%, which is near the national average. Park City has a population of 8,068 and offers a very affordable lifestyle.
Mortgage Rates in Other Kansas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Park City, Kansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.