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Sumner County FHA Loan Calculator

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

Loan Details

Sumner County, KS Benchmarks

FHA averages
Typical Property Value$179,421
Average Down Payment11.8%
Average Interest Rate6.464%
Effective Tax Rate1.36%
Median Tax Paid$2,130/yr
Tax Growth (Historical)+2.1%
Based on 95 regional loans totaling $14,595,000 (HMDA database).
$
%

$21,172 down · $158,249 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$203 / month

$

Annual premium

$

Per month

%

$67 / month

Estimated Monthly Payment

$1,434/mo

  • Principal & Interest$1,014
  • Property Tax$203
  • Home Insurance$150
  • FHA MIP$67
Amortization · Remaining Balance

Financed Loan Amount

$161,019

Total Interest

$203,847

Total of Payments

$364,866

*Includes financed FHA Upfront MIP of $2,769

Local Market Insights

Sumner County FHA Mortgage Overview

Sumner County’s FHA market reveals an accessible entry point for owner-occupants, with a weighted 11.78% down payment and 88.22% LTV. This down payment is slightly above the FHA minimum, yet mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—critical for buyers with sub-620 credit. The 6.464% rate and 1.36% effective property tax rate, adjusted upward by 2.1% for inflation, directly impact monthly affordability. When evaluating an FHA loan with PMI and taxes in Sumner County, KS, the modest down payment reduces upfront cash, but the ongoing MIP and tax growth require careful budgeting. This data reflects standard primary residences, not investments.

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.