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Barton County FHA Loan Calculator

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

Loan Details

Barton County, KS Benchmarks

FHA averages
Typical Property Value$171,508
Average Down Payment9.2%
Average Interest Rate6.409%
Effective Tax Rate1.57%
Median Tax Paid$2,126/yr
Tax Growth (Historical)+5.9%
Based on 63 regional loans totaling $9,785,000 (HMDA database).
$
%

$15,779 down · $155,729 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$224 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,433/mo

  • Principal & Interest$992
  • Property Tax$224
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$158,455

Total Interest

$198,730

Total of Payments

$357,185

*Includes financed FHA Upfront MIP of $2,725

Local Market Insights

Barton County FHA Mortgage Overview

For Barton County homebuyers, the 9.19% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 90.81% loan-to-value ratio. This FHA loan with PMI and taxes in Barton County, KS, is ideal for those with sub-620 credit scores seeking primary residences. The effective property tax rate of 1.57% and a 5.9% inflation-adjusted tax increase directly impact monthly affordability. When evaluating Barton County FHA loan limits and tax impacts, the $171,507 average property value combined with a 6.409% interest rate means buyers must budget for higher total payments due to permanent MIP and rising 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.