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Dickinson County FHA Loan Calculator

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

Loan Details

Dickinson County, IA Benchmarks

FHA averages
Typical Property Value$313,333
Average Down Payment18.7%
Average Interest Rate6.238%
Effective Tax Rate0.78%
Median Tax Paid$2,503/yr
Tax Growth (Historical)-1.2%
Based on 30 regional loans totaling $7,420,000 (HMDA database).
$
%

$58,593 down · $254,740 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$204 / month

$

Annual premium

$

Per month

%

$108 / month

Estimated Monthly Payment

$2,056/mo

  • Principal & Interest$1,594
  • Property Tax$204
  • Home Insurance$150
  • FHA MIP$108
Amortization · Remaining Balance

Financed Loan Amount

$259,198

Total Interest

$314,728

Total of Payments

$573,926

*Includes financed FHA Upfront MIP of $4,458

Local Market Insights

Dickinson County FHA Mortgage Overview

In Dickinson County, the 18.69% average down payment on FHA loans provides accessible entry for buyers, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life regardless of equity. With a median 81.31% loan-to-value ratio and 100% primary occupancy, this market favors owner-occupants. The effective property tax rate of 0.78%, combined with a recent -1.2% inflation-adjusted tax shift, lowers true monthly affordability. When using an FHA loan calculator with PMI and taxes in Dickinson County, IA, or a Dickinson County FHA loan limits and tax calculator, note that interest averages 6.238% on properties valued at $313,333.

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.