Chase County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Chase County, KS Benchmarks

FHA averages

Typical Property Value$152,500

Average Down Payment4.6%

Average Interest Rate6.873%

Effective Tax Rate1.26%

Median Tax Paid$1,500/yr

Tax Growth (Historical)-14.1%

Based on 4 regional loans totaling $600,000 (HMDA database).

Home Price

Down Payment

$7,015 down · $145,485 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$160 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$68 / month

Estimated Monthly Payment

$1,350/mo

Principal & Interest$972
Property Tax$160
Home Insurance$150
FHA MIP$68

Amortization · Remaining Balance

Financed Loan Amount

$148,031

Total Interest

$201,876

Total of Payments

$349,907

*Includes financed FHA Upfront MIP of $2,546

Local Market Insights

Chase County FHA Mortgage Overview

In Chase County, the average 4.58% down payment on an FHA loan provides accessible entry for buyers, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—ideal for those with sub-620 credit. With a 95.42% LTV ratio and 100% primary occupancy, this market favors owner-occupants. The effective property tax rate of 1.26% is offset by a -14.1% inflation-adjusted tax change, reducing true monthly affordability. For a complete picture of FHA loan limits and property taxes in Chase County, Kansas, consider how MIP and tax shifts impact long-term costs.

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.