Kiowa County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Kiowa County, Colorado based on real HMDA transaction records.

Loan Details

US County (Smart Autofill)

Loan Type

Kiowa County, CO Benchmarks

FHA averages

Typical Property Value$182,500

Average Down Payment13.0%

Average Interest Rate6.917%

Effective Tax Rate0.63%

Median Tax Paid$939/yr

Tax Growth (Historical)+5.7%

Based on 4 regional loans totaling $610,000 (HMDA database).

Home Price

Down Payment

$23,725 down · $158,775 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$96 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$67 / month

Estimated Monthly Payment

$1,379/mo

Principal & Interest$1,066
Property Tax$96
Home Insurance$150
FHA MIP$67

Amortization · Remaining Balance

Financed Loan Amount

$161,554

Total Interest

$222,262

Total of Payments

$383,815

*Includes financed FHA Upfront MIP of $2,779

Local Market Insights

Kiowa County FHA Mortgage Overview

In Kiowa County, the typical FHA homebuyer puts down 12.98% on a $182,500 property, using a 6.917% rate. While this down payment is higher than the FHA minimum, the 87.02% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s full term—a key factor for Kiowa County FHA loan limits and tax considerations. The effective 0.63% property tax rate is low, but a recent 5.7% inflation-adjusted tax shift will increase monthly costs. This data reflects 100% primary occupancy, confirming these are owner-occupied purchases, not investments.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.