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Fremont County FHA Loan Calculator

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

Loan Details

Fremont County, IA Benchmarks

FHA averages
Typical Property Value$200,000
Average Down Payment15.7%
Average Interest Rate6.530%
Effective Tax Rate1.01%
Median Tax Paid$1,868/yr
Tax Growth (Historical)-5.5%
Based on 28 regional loans totaling $4,540,000 (HMDA database).
$
%

$31,400 down · $168,600 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$168 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,478/mo

  • Principal & Interest$1,088
  • Property Tax$168
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$171,551

Total Interest

$220,022

Total of Payments

$391,573

*Includes financed FHA Upfront MIP of $2,951

Local Market Insights

Fremont County FHA Mortgage Overview

For Fremont County homebuyers, the 15.71% down payment on an FHA loan offers accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, even with this equity level. The 84.29% loan-to-value ratio and 100% primary occupancy rate confirm this is a standard owner-occupied market. With a 1.01% effective property tax rate and a -5.5% inflation-adjusted tax decline, monthly affordability is slightly improved. When evaluating an FHA loan with PMI and taxes in Fremont County, IA, these factors lower your true monthly cost versus higher-tax areas. This data supports buyers seeking Fremont County FHA loan limits and tax insights, especially those with sub-620 credit scores.

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.