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Hodgeman County FHA Loan Calculator

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

Loan Details

Hodgeman County, KS Benchmarks

FHA averages
Typical Property Value$192,500
Average Down Payment20.1%
Average Interest Rate6.620%
Effective Tax Rate1.35%
Median Tax Paid$1,683/yr
Tax Growth (Historical)-0.3%
Based on 4 regional loans totaling $380,000 (HMDA database).
$
%

$38,693 down · $153,808 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$217 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,433/mo

  • Principal & Interest$1,002
  • Property Tax$217
  • Home Insurance$150
  • FHA MIP$65
Amortization · Remaining Balance

Financed Loan Amount

$156,499

Total Interest

$204,064

Total of Payments

$360,563

*Includes financed FHA Upfront MIP of $2,692

Local Market Insights

Hodgeman County FHA Mortgage Overview

In Hodgeman County, the 20.15% down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity. This is ideal for buyers with sub-620 credit. The 79.85% loan-to-value ratio confirms strong borrower equity. With a 1.35% effective tax rate and a -0.3% inflation-adjusted decrease, monthly affordability improves slightly. For those exploring an FHA loan with PMI and taxes in Hodgeman County, KS, this data highlights stable, owner-occupied purchasing—100% primary residency—with no investment property risk.

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.