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Dubuque County FHA Loan Calculator

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

Loan Details

Dubuque County, IA Benchmarks

FHA averages
Typical Property Value$230,077
Average Down Payment9.3%
Average Interest Rate6.458%
Effective Tax Rate1.15%
Median Tax Paid$2,919/yr
Tax Growth (Historical)-0.6%
Based on 130 regional loans totaling $26,520,000 (HMDA database).
$
%

$21,397 down · $208,680 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$220 / month

$

Annual premium

$

Per month

%

$88 / month

Estimated Monthly Payment

$1,795/mo

  • Principal & Interest$1,337
  • Property Tax$220
  • Home Insurance$150
  • FHA MIP$88
Amortization · Remaining Balance

Financed Loan Amount

$212,332

Total Interest

$268,808

Total of Payments

$481,140

*Includes financed FHA Upfront MIP of $3,652

Local Market Insights

Dubuque County FHA Mortgage Overview

For Dubuque County homebuyers using an FHA loan, the 9.34% average down payment provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 90.66% LTV ratio. This data reflects 100% owner-occupied purchases, not investors. The effective property tax rate of 1.15% on a $230,077 property adds roughly $220 monthly, though the recent -0.6% inflation-adjusted tax shift offers slight relief. When evaluating an FHA loan with PMI and taxes in Dubuque County, IA, this lower down payment structure is ideal for buyers with sub-620 credit, though MIP cannot be canceled. Understanding Dubuque County FHA loan limits and tax impacts is crucial for accurate monthly budgeting.

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.