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Neosho County FHA Loan Calculator

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

Loan Details

Neosho County, KS Benchmarks

FHA averages
Typical Property Value$151,275
Average Down Payment9.1%
Average Interest Rate6.552%
Effective Tax Rate1.41%
Median Tax Paid$1,637/yr
Tax Growth (Historical)+5.8%
Based on 51 regional loans totaling $6,975,000 (HMDA database).
$
%

$13,766 down · $137,509 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$178 / month

$

Annual premium

$

Per month

%

$58 / month

Estimated Monthly Payment

$1,275/mo

  • Principal & Interest$889
  • Property Tax$178
  • Home Insurance$150
  • FHA MIP$58
Amortization · Remaining Balance

Financed Loan Amount

$139,915

Total Interest

$180,112

Total of Payments

$320,028

*Includes financed FHA Upfront MIP of $2,406

Local Market Insights

Neosho County FHA Mortgage Overview

Neosho County homebuyers using FHA loans are leveraging a 9.06% down payment on an average property value of $151,274.51. This low entry point, combined with a 90.94% LTV, makes FHA ideal for those with sub-620 credit, though mandatory MIP applies for the loan's life. At a 6.552% interest rate, the effective 1.41% property tax rate and a recent 5.8% inflation-adjusted tax increase add roughly $178 monthly to true affordability. For accurate budgeting with an FHA loan, including PMI and taxes in Neosho County, KS, understanding these local FHA loan limits and tax impacts is critical for owner-occupied buyers.

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.