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Barber County FHA Loan Calculator

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

Loan Details

Barber County, KS Benchmarks

FHA averages
Typical Property Value$116,429
Average Down Payment13.8%
Average Interest Rate6.575%
Effective Tax Rate1.36%
Median Tax Paid$1,648/yr
Tax Growth (Historical)+3.7%
Based on 14 regional loans totaling $1,350,000 (HMDA database).
$
%

$16,067 down · $100,362 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$132 / month

$

Annual premium

$

Per month

%

$43 / month

Estimated Monthly Payment

$975/mo

  • Principal & Interest$651
  • Property Tax$132
  • Home Insurance$150
  • FHA MIP$43
Amortization · Remaining Balance

Financed Loan Amount

$102,118

Total Interest

$132,184

Total of Payments

$234,302

*Includes financed FHA Upfront MIP of $1,756

Local Market Insights

Barber County FHA Mortgage Overview

In Barber County, the typical FHA homebuyer brings a 13.77% down payment to a $116,429 property, well above the FHA's 3.5% minimum. This signals cautious purchasing power but still triggers mandatory Mortgage Insurance Premiums (MIP) for the loan's lifetime due to the 86.23% loan-to-value ratio. With a 6.575% rate and a 1.36% effective property tax rate—which saw a 3.7% inflation-adjusted increase—monthly affordability is squeezed. This Barber County FHA loan analysis with PMI and taxes shows that while entry is accessible, the ongoing MIP cost matters more than building equity. All buyers are owner-occupants, making this a stable, non-investor market.

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.