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Ellsworth County FHA Loan Calculator

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

Loan Details

Ellsworth County, KS Benchmarks

FHA averages
Typical Property Value$181,250
Average Down Payment17.6%
Average Interest Rate6.917%
Effective Tax Rate1.46%
Median Tax Paid$1,693/yr
Tax Growth (Historical)-7.0%
Based on 8 regional loans totaling $1,160,000 (HMDA database).
$
%

$31,900 down · $149,350 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$221 / month

$

Annual premium

$

Per month

%

$63 / month

Estimated Monthly Payment

$1,437/mo

  • Principal & Interest$1,003
  • Property Tax$221
  • Home Insurance$150
  • FHA MIP$63
Amortization · Remaining Balance

Financed Loan Amount

$151,964

Total Interest

$209,068

Total of Payments

$361,032

*Includes financed FHA Upfront MIP of $2,614

Local Market Insights

Ellsworth County FHA Mortgage Overview

In Ellsworth County, the 17.65% down payment on an FHA loan provides accessible entry, but this loan type mandates Mortgage Insurance Premiums (MIP) for the entire loan term, regardless of equity. The 82.35% Loan-to-Value ratio confirms this is standard for primary residences. While the effective property tax rate of 1.46% is moderate, the recent -7.0% inflation-adjusted tax change offers slight monthly relief. Buyers using an FHA loan calculator with PMI and taxes in Ellsworth County, KS must account for this permanent MIP cost. The average interest rate of 6.917% means monthly affordability is heavily influenced by these fixed tax and insurance obligations.

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.