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Plymouth County FHA Loan Calculator

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

Loan Details

Plymouth County, IA Benchmarks

FHA averages
Typical Property Value$239,750
Average Down Payment14.5%
Average Interest Rate6.488%
Effective Tax Rate0.99%
Median Tax Paid$2,455/yr
Tax Growth (Historical)+0.8%
Based on 40 regional loans totaling $7,600,000 (HMDA database).
$
%

$34,764 down · $204,986 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$198 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,752/mo

  • Principal & Interest$1,317
  • Property Tax$198
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$208,574

Total Interest

$265,530

Total of Payments

$474,104

*Includes financed FHA Upfront MIP of $3,587

Local Market Insights

Plymouth County FHA Mortgage Overview

For Plymouth County homebuyers, the 14.51% average down payment on FHA loans indicates accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 85.49% LTV ratio. This is ideal for owner-occupants with sub-620 credit. The 0.99% effective property tax rate, with a recent 0.8% inflation-adjusted increase, directly impacts monthly affordability. When estimating your FHA loan down payment with PMI and taxes in Plymouth County, IA, remember this tax shift raises true costs. Understanding Plymouth County FHA loan limits and tax implications is crucial for accurate 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.