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Kossuth County FHA Loan Calculator

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

Loan Details

Kossuth County, IA Benchmarks

FHA averages
Typical Property Value$150,143
Average Down Payment9.2%
Average Interest Rate6.637%
Effective Tax Rate1.06%
Median Tax Paid$1,490/yr
Tax Growth (Historical)+0.6%
Based on 35 regional loans totaling $4,785,000 (HMDA database).
$
%

$13,813 down · $136,330 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$133 / month

$

Annual premium

$

Per month

%

$58 / month

Estimated Monthly Payment

$1,230/mo

  • Principal & Interest$890
  • Property Tax$133
  • Home Insurance$150
  • FHA MIP$58
Amortization · Remaining Balance

Financed Loan Amount

$138,716

Total Interest

$181,536

Total of Payments

$320,252

*Includes financed FHA Upfront MIP of $2,386

Local Market Insights

Kossuth County FHA Mortgage Overview

In Kossuth County, the FHA loan data reveals an accessible entry point for owner-occupants. The 9.24% weighted average down payment, combined with a high 90.76% LTV, confirms buyers are leveraging FHA’s low-down-payment structure. However, this triggers mandatory MIP for the life of the loan, a key consideration when using an FHA loan calculator with PMI and taxes in Kossuth County, IA. The effective property tax rate of 1.06%, with a recent 0.6% inflation-adjusted increase, adds a modest but real monthly cost to affordability. For buyers evaluating an FHA loan down payment calculator in Kossuth County, Iowa, the $150,142 average property value and 6.637% rate mean the MIP and tax burden are significant factors. This data reflects standard homebuyers, not investors, making the FHA option ideal for those with sub-620 credit seeking a Kossuth County FHA mortgage calculator with property taxes.

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.