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Foreclosure and tax sales in Kansas

What our research shows about Kansas's rules. General information with sources — not legal advice, and not a reading of your papers.

BasicThe essentials, each with its source. General deadlines only.Research last reviewed 2026-09-22

Your state

How foreclosure works

Usual process: Judicial (through court)
Kan. Stat. § 60-601
From a reputable summary[1]
Allowed processes: Judicial (through court)
From a reputable summary[1][2]
Main statutes: Kan. Stat. § 60-601; Kan. Stat. § 60-2410; Kan. Stat. § 60-2414; Kan. Stat. § 60-2415; Kan. Stat. § 60-307
From a reputable summary[1]
Typical length (estimate): Not researched yet for this state.

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
Lawsuit filed and you are served with the summons and complaint
Kan. Stat. § 60-601
From a reputable summary
Answer the lawsuit by the deadline on your summons
Read the summons: it states the deadline. Missing it can mean a default judgment.
Not confirmed — check it
Court judgment of foreclosure (if the lender wins)
From a reputable summary
+At least 7 days
Sheriff’s / court sale
The sale is published at least three times, the last between 7 and 14 days before the sale.
From a reputable summary
Court confirms (ratifies) the sale
In many states you can still redeem or object until the court confirms the sale.
From a reputable summary
+At least 90 days
Redemption window (at least 90 days in the shortest common case)
Generally 12 months after the sale; 3 months if you defaulted before paying off one-third of the original debt (a court may add 3 months if you lose your job). Can be shortened or eliminated if the home is abandoned.
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: Not researched yet for this state.
Notice of sale: At least 7 daysThe sale is published at least three times, the last between 7 and 14 days before the sale.
Kan. Stat. § 60-2410
From a reputable summary[1]
Publication: At least three newspaper publications.
From a reputable summary[1]
When sales happen: Not researched yet for this state.
Time to answer the lawsuit: Not researched yet for this state.
Court confirms the sale: Yes
From a reputable summary[1]

Catching up (reinstatement): No statutory reinstatement right.
From a reputable summary[2]
Buying the home back (redemption): YesGenerally 12 months after the sale; 3 months if you defaulted before paying off one-third of the original debt (a court may add 3 months if you lose your job). Can be shortened or eliminated if the home is abandoned.
Kan. Stat. § 60-2414
From a reputable summary[1][2]
Owing money after the sale (deficiency): LimitedAllowed, but not if you were served only by publication and did not appear. The court can refuse to confirm an inadequate sale price.
Kan. Stat. §§ 60-307(b), 60-2415(b)
From a reputable summary[1][2]
Mediation: Not researched yet for this state.

Tax sale system: Forfeiture to the government
Property is “bid off” to the county at a private tax sale; after redemption the county forecloses in court and a sheriff sells it.
From a reputable summary[3]
How it works: Taxes are due Dec. 20 and May 10. The delinquent list is published three weeks in August; the sale is on or after the first Tuesday of September.
From a reputable summary[3]
Redeeming after a tax sale: Two years after the county sale; three years for a homestead; one year if abandoned. You can still redeem until the day before the court-ordered sheriff’s sale.
Kan. Stat. §§ 79-2401a, 79-2803
From a reputable summary[3]
Relief programs: Homestead Refund; Property Tax Relief for Low Income Seniors; Relief for Seniors and Disabled Veterans — State programs that refund part of the property tax for qualifying owners.
From a reputable summary[3]
Payment plans: Some counties allow installment agreements or short hardship extensions.
From a reputable summary[3]
Surplus after a tax sale: Not researched yet for this state.

Federal exemption list: State list only (opted out)
This state has opted out: in bankruptcy you use the state exemption list (plus federal non-bankruptcy exemptions), not the federal § 522(d) list.
From a reputable summary[4]
Homestead exemption: Unlimited (within acreage limits)Unlimited value within the acreage limits.(Kan. Const. art. 15, § 9; Kan. Stat. § 60-2301)
From a reputable summary[5]

Free legal aid (LSC-funded): Kansas Legal Services, Inc.
Checked against the official text[7]
Legal help website: Kansas Legal Services
Checked against the official text[8]
State housing agency: Kansas Housing Resources Corporation
Checked against the official text[6]
Attorney general / consumer protection: Kansas Attorney General — Consumer Protection
The official site blocked our automated check on 2026-09-22; confirm the page before relying on it.
Not confirmed — check it[9]
Court self-help: Kansas Judicial Branch — Self-Help
The official site blocked our automated check on 2026-09-22; confirm the page before relying on it.
Not confirmed — check it[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.