ZIP Code Market Report · Updated May 2026
Is 66101 a Buyer's
or Seller's Market?
📍 Kansas City, Kansas · KS
65
🟡 WARM
Balanced market
30 days avg on market · Tax rate: 1.32%/yr
Mortgage Breakdown — 66101
Median Price$240,000
20% Down$48,000
Loan Amount$192,000
Rate (~6.7%)$1,238/mo P&I
Property Tax$264/mo
Total PITI$1,602/mo
Income Needed$53,400/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
19.5%
of FHA applications denied in Kansas City, MO-KS, 2025 · national 22.1%
FAIRWAY INDEPENDENT MORT CORP
6.5% United Wholesale Mortgage
15.8% FREEDOM MORTGAGE CORPORATION
17.7% PENNYMAC LOAN SERVICES LLC
19.8% A 20.8-point spread between the busiest FHA lenders in this metro.
Loans under $150K denied at 35.7% versus 14.8% above $250K.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →