Kansas Fair Housing Act: An Overview

November 27, 2025

Key Takeaways

  • The Fair Housing Act prohibits discrimination in housing based on seven protected classes, and applies not only to landlords but also to real estate agents, property managers, lenders, HOAs, and other housing providers.
  • Kansas landlords must follow both federal and state fair housing rules, ensuring consistent, non-discriminatory advertising, screening, and treatment of all residents, including providing reasonable accommodations for individuals with disabilities.
  • Staying FHA-compliant requires standardized procedures and unbiased practices, helping landlords avoid legal issues while promoting equal access to housing.

Established in 1968, the Fair Housing Act (FHA) is a federal law that forbids discrimination in most housing-related activities.

As a landlord in Kansas, this is one among the many laws you must abide by under the statewide Residential Landlord and Tenant Act.

Unlike other laws, however, the FHA does not only apply to landlords, but other industry players as well. They include real estate agents, property managers, mortgage lenders, and even HOAs.

In this blog, by Keyrenter Overland Park, you’ll learn the essentials of the FHA and how they apply to various aspects of Kansas landlord-tenant law.

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What Is the Fair Housing Act?

The Fair Housing Act is also known as Title VIII of the Civil Rights Act. It became law on April 11th, 1968, after it was signed by President Lyndon B. Johnson.

The act bans all forms of discrimination in housing-related activities based on 7 protected classes. The classes are: race, color, sex, religion, familial status, disability, and nationality.

The act generally covers a wide range of housing. They include apartments, townhouses, single-family homes, mobile homes, nursing homes, and group homes.

That said, there are a few limited exemptions that are not subject to the dictates of the FHA. 

gavel resting on stand

They include the following:

  • Owner-occupied buildings. This is also known as the “Mrs. Murphy” exemption. An owner-occupied building is one with a maximum of four rental units, and where the owner occupies one of the units as a primary residence.
  • Single-family homes that the owner rents out. For the owner of the homes to qualify, they must not own more than three such homes at any one time. Additionally, the owner must not use a real estate agent to rent them out.
  • Religious organizations. These can limit occupancy to their members only and refuse applications from the general public.
  • Private clubs. These can limit occupancy to their own members, as long as it’s not for commercial purposes.
  • Housing for older people. Elderly homes can discriminate based on the protected characteristic: familial status.

What Is the Fair Housing Act in Kansas?

Beyond the 7 protected classes under the Federal Fair Housing Act, some states have also passed legislation to add extra protections.

For example, the neighboring state of Colorado extends protections based on marital status, gender identity, sexual orientation, ancestry, and ownership of a service animal.

a service dog on a leash outside

The following are some examples of acts that can be interpreted as discriminatory under the FHA:

  • Refusing to rent out your Kansas property to a bona fide offer based on any of the resident’s protected classes, such as race or color.

  • Offering different residents different terms and/or conditions based on their protected classes. For example, requiring a Latino resident to pay extra fees and not requiring a Caucasian resident to do so.

  • Steering residents who belong to certain protected classes to other neighborhoods.

  • Not allowing disabled residents to keep their assistance animals.

  • Restricting the use of common areas or amenities for certain residents, especially for disabled people or children.

  • Posting adverts that explicitly or implicitly exclude certain members belonging to a particular protected class. For instance, using phrases like “Ideal for single professionals,” “No Children,” or “No Blacks Allowed.”

  • Demanding sexual favors from a resident in exchange for housing or favorable terms.

  • Taking a retaliatory action against a resident or evicting them for asserting their right to fair housing.

  • Qualifying residents based on an inconsistent and unfair screening process.

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How Can a Landlord Stay Legally Compliant With the Fair Housing Act?

As a landlord, staying legally compliant with the FHA is essential to success. You must ensure that all housing-related actions are free from discrimination based on federally protected characteristics.

a person sitting on a sofa reading papers

The following are some key actions to take in this regard:

  • Use neutral language when advertising your vacant rental unit. Avoid any statements that show preference for or against any protected class. For instance, “No children allowed,” “Ideal for Single Professionals,” or “Females Preferred.”

  • When using imagery in your rental ads, ensure that it depicts people from diverse backgrounds.

  • Use standardized tenant selection criteria. It should be clear, objective, and non-discriminatory. You should also apply them identically to every single applicant.

  • Provide reasonable accommodations to disabled residents. For instance, make an exemption for residents with service dogs or emotional support animals.

  • Provide residents with equal treatment during tenancy. For instance, when it comes to enforcing the lease terms, such as charging fees for late rent payments or security deposits, you must not show favoritism or limitation based on a resident’s protected class.

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Conclusion

The journey to successful landlording begins with understanding the legal obligations involved. In Kansas, these obligations are contained under the Residential Landlord and Tenant Act. Which, among other things, requires landlords to abide by the state’s fair housing laws. Luckily, now you know what that entails!

Keyrenter Overland Park is a top-notch choice for property management services in Overland Park, KS, and its surrounding areas. You can count on us for stress-free ownership and maximized returns. Get in touch to learn more!

Disclaimer: Please note that the information provided in this blog is intended for general guidance and should not be considered as a replacement for professional legal advice. It is important to be aware that laws pertaining to property management may change, rendering this information outdated by the time you read it.

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Start With Your Reason for Keeping or Selling the Home

Your timeline can quickly narrow your options.

home for sale

If you are moving temporarily and see yourself returning to Overland Park, keeping the home may preserve flexibility. Renting can appeal to owners who intentionally want to hold real estate for the long term rather than cash out their equity today.

Selling may fit better when permanently relocating, you need the equity for another purchase, or holding the property isn’t financially beneficial.

Future market performance is uncertain, so the property should make sense based on your finances and ownership goals today.

Run the Numbers Before Renting

Consider the full cost of operating the property. Depending on the home, those expenses can include:

  •     Mortgage principal and interest.
  •     Property taxes.
  •     Landlord insurance.
  •     Routine maintenance.
  •     Larger repairs and replacements.
  •     Vacancy between residents.
  •     Leasing expenses.
  •     Property management costs.
  •     HOA expenses, when applicable.

Estimate a competitive rental rate using comparable properties with similar locations, sizes, conditions, and features. Keyrenter Overland Park considers current market values and individual property features to establish monthly rental fees. 

Then subtract realistic ownership and operating expenses. A property doesn’t necessarily need to generate a massive monthly profit, but it should correspond with your future goals for the property.

What Selling Does For Your Equity

Renting maintains ownership, however, your equity generally remains tied to the home unless you access it through financing or eventually sell.

selling equity

Selling converts that equity into immediate funds for investment, debt reduction, or other financial priorities. 

An owner with substantial equity may discover that the property produces relatively modest rental cash flow compared to a property sale. Another owner with favorable financing and manageable expenses may benefit from renting.

Understanding The Tax Questions

Federal tax rules may allow qualifying homeowners to exclude a portion of the gain from the sale of a principal residence when applicable requirements are met. Converting the property to a rental does not automatically eliminate that possibility, but rental use, timing, depreciation, and the property’s history can affect later sale taxes.

Rental owners may also be able to deduct qualifying rental expenses and claim depreciation. However, depreciation allowed or allowable during rental use can affect taxable gain when the property is eventually sold.

These rules depend heavily on individual circumstances and should be discussed with a qualified tax expert.

The Responsibilities of a Landlord

You will need a process for consistent advertising, screening applicants, lease preparation, rent collection, maintenance request responses, and thorough documentation. State law generally limits the security deposit for an unfurnished dwelling to one month’s periodic rent, with different allowances depending on circumstances.

Owners should therefore evaluate the operational side of rental ownership alongside the financial side. Professional management can shift daily responsibilities to a management company. 

real estate management

Keyrenter Overland Park currently offers services including marketing, resident screening, leasing support, maintenance coordination, rent collection, and financial reporting.

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Rent vs. Sell: Questions to Ask

Rather than relying on a universal checklist telling you which option is “better,” work through these property-specific questions.

What is a Realistic Rent?

Estimate rent using current comparable properties rather than the amount needed to cover your mortgage. Rental pricing should reflect what the market supports for a home with similar features and conditions.

What Would I Keep If I Sold Versus Rented?

Estimate your potential proceeds after the remaining mortgage balance and applicable transaction expenses. That number shows how much capital selling could make available for your next financial goal.

Expected rental income after operating expenses and establish reserves for vacancy, maintenance, and larger repairs. Use conservative assumptions.

How Long Do I Want to Own the Property?

A short expected holding period may lead to a different decision than a long-term investment strategy. Consider whether you genuinely want the property long term.

Who Manages the Rental?

Decide whether you have the time and systems to self-manage or whether professional property management should be part of your budget. 

Bottom Line

Choosing to rent or sell your Overland Park home requires more than comparing an estimated rent payment with a potential sale price. The stronger approach is to evaluate your equity, expected rental performance, ownership expenses, tax considerations, future plans, and the responsibilities you would take on as a landlord.

landlord lease

If keeping the property fits your long-term goals, start with realistic numbers before making the conversion. Keyrenter Overland Park can provide a rental analysis to help you understand your home’s rental potential and evaluate whether professional management fits your plans.

 

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Frequently Asked Questions

Can I Rent My Home After Moving Out?

Generally, yes. However, doing so creates new financial, legal, insurance, and tax considerations. You may need different insurance coverage, should review any mortgage or HOA requirements that apply to the property, and must follow Kansas landlord-tenant laws once the home is rented.

How Do I Know What My Overland Park Home Could Rent For?

Start with recently marketed or leased properties that are comparable to your home. Avoid setting the rent based solely on your mortgage or desired profit because applicants will compare your property with competing rentals. Keyrenter Overland Park offers a rental analysis designed to help owners evaluate their property’s rental potential using market and property-specific information.

Does Renting My Home Affect the Capital Gains Exclusion?

It can, but converting a principal residence to a rental does not automatically mean you lose the entire federal home-sale exclusion. IRS rules consider factors including ownership, use, timing, rental periods, and depreciation. Qualifying taxpayers must satisfy ownership and use requirements involving two years during the five-year period before the sale. Depreciation allowed or allowable from rental use can affect taxable gain and varies individually.

Should I Hire a Property Manager If I Decide to Rent?

That depends on how involved you want to be. Self-management means handling marketing, applicant screening, lease administration, rent collection, maintenance coordination, documentation, resident communication, and compliance yourself. Professional management adds an operating expense, but can transfer much of that work to an experienced team. Include the actual management cost in your rental projections so you can compare self-management and professional management using the same financial assumptions.

What Security Deposit Can a Kansas Landlord Collect?

Kansas law generally limits the security deposit for an unfurnished residential dwelling to no more than one month’s periodic rent. A furnished dwelling may have a higher limit, and an additional pet deposit may be permitted when the rental agreement allows pets, subject to statutory requirements and applicable exceptions.

Owners should review the current Kansas Residential Landlord and Tenant Act before establishing deposit policies.

What Should I Do Before Making the Final Decision?

Build two property-specific scenarios rather than relying on general rules about whether renting or selling is better.

Estimate your net proceeds from a potential sale, then compare that figure with realistic rental income after management expenses. Separately review the tax consequences with a qualified professional. If the rental scenario aligns with your financial goals, obtaining a local rental analysis can give you a stronger estimate of what the property may command in the current market.

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