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Humboldt County FHA Loan Calculator

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

Loan Details

Humboldt County, IA Benchmarks

FHA averages
Typical Property Value$160,652
Average Down Payment10.1%
Average Interest Rate6.404%
Effective Tax Rate1.34%
Median Tax Paid$2,011/yr
Tax Growth (Historical)+3.3%
Based on 23 regional loans totaling $3,325,000 (HMDA database).
$
%

$16,226 down · $144,426 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$179 / month

$

Annual premium

$

Per month

%

$61 / month

Estimated Monthly Payment

$1,310/mo

  • Principal & Interest$919
  • Property Tax$179
  • Home Insurance$150
  • FHA MIP$61
Amortization · Remaining Balance

Financed Loan Amount

$146,954

Total Interest

$183,960

Total of Payments

$330,913

*Includes financed FHA Upfront MIP of $2,527

Local Market Insights

Humboldt County FHA Mortgage Overview

For Humboldt County homebuyers, the 10.07% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of this equity level. With a median Loan-to-Value ratio of 89.93%, this data reflects 100% primary residences, not investments. The effective property tax rate of 1.34% and a 3.3% inflation-adjusted tax increase add roughly $72 monthly to the true cost, which should be factored into any FHA mortgage analysis with property taxes. Given the 6.404% average interest rate, buyers exploring FHA loan limits in Humboldt County, Iowa should plan for these long-term MIP and tax obligations.

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.