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Osage County FHA Loan Calculator

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

Loan Details

Osage County, KS Benchmarks

FHA averages
Typical Property Value$214,841
Average Down Payment14.7%
Average Interest Rate6.397%
Effective Tax Rate1.32%
Median Tax Paid$2,343/yr
Tax Growth (Historical)-0.4%
Based on 63 regional loans totaling $11,505,000 (HMDA database).
$
%

$31,582 down · $183,259 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$236 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,630/mo

  • Principal & Interest$1,166
  • Property Tax$236
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$186,466

Total Interest

$233,423

Total of Payments

$419,889

*Includes financed FHA Upfront MIP of $3,207

Local Market Insights

Osage County FHA Mortgage Overview

For Osage County homebuyers exploring FHA financing, the 14.72% weighted average down payment reflects accessible entry despite a 6.397% interest rate. This down payment level triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, a key factor when evaluating an FHA loan with PMI and taxes in Osage County, KS. The 85.28% median loan-to-value ratio confirms most buyers finance a significant portion, and with 100% owner-occupancy, this data excludes investors. The effective 1.32% property tax rate, coupled with a -0.4% inflation-adjusted tax decline, slightly eases monthly affordability. When assessing Osage County FHA loan limits and tax impacts, the permanent MIP makes this structure ideal for buyers with sub-620 credit, though total costs remain manageable due to the tax reduction.

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.