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Harvey County FHA Loan Calculator

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

Loan Details

Harvey County, KS Benchmarks

FHA averages
Typical Property Value$200,328
Average Down Payment9.4%
Average Interest Rate6.483%
Effective Tax Rate1.40%
Median Tax Paid$2,715/yr
Tax Growth (Historical)+4.6%
Based on 137 regional loans totaling $24,295,000 (HMDA database).
$
%

$18,831 down · $181,497 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$234 / month

$

Annual premium

$

Per month

%

$77 / month

Estimated Monthly Payment

$1,625/mo

  • Principal & Interest$1,165
  • Property Tax$234
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$184,673

Total Interest

$234,667

Total of Payments

$419,340

*Includes financed FHA Upfront MIP of $3,176

Local Market Insights

Harvey County FHA Mortgage Overview

For Harvey County homebuyers using an FHA loan, the 9.42% average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 90.58% LTV ratio. This data reflects 100% owner-occupied purchases, not investments. The 1.40% effective property tax rate, with a recent 4.6% inflation-adjusted increase, directly impacts true monthly affordability. When evaluating an FHA loan with PMI and taxes in Harvey County, KS, or assessing Harvey County FHA loan limits, remember that the lower down payment (versus conventional) favors buyers with sub-620 credit scores, though the MIP persists permanently.

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.