Chautauqua County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Chautauqua County, KS Benchmarks

FHA averages

Typical Property Value$135,000

Average Down Payment14.2%

Average Interest Rate6.656%

Effective Tax Rate1.00%

Median Tax Paid$991/yr

Tax Growth (Historical)-5.0%

Based on 6 regional loans totaling $690,000 (HMDA database).

Home Price

Down Payment

$19,170 down · $115,830 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

$113 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$49 / month

Estimated Monthly Payment

$1,069/mo

Principal & Interest$757
Property Tax$113
Home Insurance$150
FHA MIP$49

Amortization · Remaining Balance

Financed Loan Amount

$117,857

Total Interest

$154,800

Total of Payments

$272,657

*Includes financed FHA Upfront MIP of $2,027

Local Market Insights

Chautauqua County FHA Mortgage Overview

For Chautauqua County, Kansas, an FHA loan with a 14.21% down payment on a $135,000 property offers accessible entry, though the 85.79% LTV means mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for buyers with sub-620 credit. The 1.00% effective property tax rate combined with a -5.0% inflation-adjusted tax shift improves monthly affordability. When evaluating an FHA loan down payment in Chautauqua County, note the 6.656% rate and that MIP and property taxes are permanent costs, making this market favorable for primary residence buyers seeking low initial cash outlay.

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.