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Stanton County FHA Loan Calculator

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

Loan Details

Stanton County, KS Benchmarks

FHA averages
Typical Property Value$75,000
Average Down Payment3.5%
Average Interest Rate6.990%
Effective Tax Rate1.91%
Median Tax Paid$1,667/yr
Tax Growth (Historical)+2.0%
Based on 1 regional loans totaling $75,000 (HMDA database).
$
%

$2,625 down · $72,375 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$119 / month

$

Annual premium

$

Per month

%

$34 / month

Estimated Monthly Payment

$793/mo

  • Principal & Interest$489
  • Property Tax$119
  • Home Insurance$150
  • FHA MIP$34
Amortization · Remaining Balance

Financed Loan Amount

$73,642

Total Interest

$102,559

Total of Payments

$176,200

*Includes financed FHA Upfront MIP of $1,267

Local Market Insights

Stanton County FHA Mortgage Overview

For Stanton County homebuyers, the FHA loan’s 3.50% down payment on a $75,000 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life due to the 96.50% LTV ratio. This structure suits those with sub-620 credit scores seeking owner-occupied financing. The effective property tax rate of 1.91%, adjusted upward by 2.0% for inflation, adds roughly $120 annually—critical to factor into monthly affordability when using a Stanton County FHA loan calculator with PMI and taxes. This data reflects standard homebuyers, not investors.

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.