Rush County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Rush County, KS Benchmarks

FHA averages

Typical Property Value$119,444

Average Down Payment18.0%

Average Interest Rate6.623%

Effective Tax Rate1.33%

Median Tax Paid$1,562/yr

Tax Growth (Historical)+0.7%

Based on 9 regional loans totaling $835,000 (HMDA database).

Home Price

Down Payment

$21,500 down · $97,944 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

$132 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$42 / month

Estimated Monthly Payment

$962/mo

Principal & Interest$638
Property Tax$132
Home Insurance$150
FHA MIP$42

Amortization · Remaining Balance

Financed Loan Amount

$99,658

Total Interest

$129,947

Total of Payments

$229,605

*Includes financed FHA Upfront MIP of $1,714

Local Market Insights

Rush County FHA Mortgage Overview

For Rush County homebuyers, the 17.99% average down payment on FHA loans provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With a median 82.01% loan-to-value ratio and 100% owner-occupied purchases, this data reflects standard primary residences. The 6.623% rate on a $119,444 average property value means the 1.33% effective tax rate and a 0.7% inflation-adjusted increase directly impact monthly affordability. Buyers exploring an FHA loan down payment and property taxes in Rush County, KS, should account for the permanent MIP cost alongside these rising taxes.

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.