Geary County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Geary County, KS Benchmarks

FHA averages

Typical Property Value$212,679

Average Down Payment7.7%

Average Interest Rate6.471%

Effective Tax Rate1.47%

Median Tax Paid$2,496/yr

Tax Growth (Historical)-4.6%

Based on 56 regional loans totaling $10,720,000 (HMDA database).

Home Price

Down Payment

$16,376 down · $196,303 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

$261 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$83 / month

Estimated Monthly Payment

$1,752/mo

Principal & Interest$1,259
Property Tax$261
Home Insurance$150
FHA MIP$83

Amortization · Remaining Balance

Financed Loan Amount

$199,738

Total Interest

$253,337

Total of Payments

$453,075

*Includes financed FHA Upfront MIP of $3,435

Local Market Insights

Geary County FHA Mortgage Overview

For Geary County homebuyers using an FHA loan, the 7.72% down payment and 92.28% LTV ratio indicate accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for those with sub-620 credit. The effective 1.47% property tax rate, with a recent -4.6% inflation-adjusted decline, slightly reduces monthly burden. This FHA loan with PMI and taxes in Geary County, KS, reflects 100% primary occupancy, ensuring no investment property risk. The weighted average 6.471% rate and $212,678.57 property value help frame Geary County FHA loan limits and tax impacts for true affordability.

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.