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Sedgwick County FHA Loan Calculator

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

Loan Details

Sedgwick County, KS Benchmarks

FHA averages
Typical Property Value$232,076
Average Down Payment9.6%
Average Interest Rate6.433%
Effective Tax Rate1.18%
Median Tax Paid$2,461/yr
Tax Growth (Historical)+1.8%
Based on 1,912 regional loans totaling $395,250,000 (HMDA database).
$
%

$22,279 down · $209,797 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$228 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,807/mo

  • Principal & Interest$1,339
  • Property Tax$228
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$213,468

Total Interest

$268,735

Total of Payments

$482,203

*Includes financed FHA Upfront MIP of $3,671

Local Market Insights

Sedgwick County FHA Mortgage Overview

For Sedgwick County homebuyers, the 9.59% average down payment on an FHA loan provides accessible entry, but note that the mandatory Mortgage Insurance Premium (MIP) lasts the full loan term due to the 90.41% loan-to-value ratio. This is ideal for borrowers with sub-620 credit seeking owner-occupied primary residences. The 1.18% effective property tax rate, combined with a 1.8% inflation-adjusted increase, adds roughly $228 annually to true monthly affordability. When evaluating FHA loan limits and property taxes in Sedgwick County, KS, factor in this permanent MIP cost alongside the 6.433% interest rate to gauge your total monthly obligation.

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.