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Washington County FHA Loan Calculator

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

Loan Details

Washington County, KS Benchmarks

FHA averages
Typical Property Value$118,333
Average Down Payment12.6%
Average Interest Rate6.750%
Effective Tax Rate0.90%
Median Tax Paid$1,607/yr
Tax Growth (Historical)+0.5%
Based on 3 regional loans totaling $305,000 (HMDA database).
$
%

$14,910 down · $103,423 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$89 / month

$

Annual premium

$

Per month

%

$44 / month

Estimated Monthly Payment

$965/mo

  • Principal & Interest$683
  • Property Tax$89
  • Home Insurance$150
  • FHA MIP$44
Amortization · Remaining Balance

Financed Loan Amount

$105,233

Total Interest

$140,481

Total of Payments

$245,714

*Includes financed FHA Upfront MIP of $1,810

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers using an FHA loan, the 12.60% down payment on a $118,333 average property offers accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the loan’s life regardless of equity. With an 87.40% loan-to-value ratio and 100% owner-occupied data, this market favors buyers with sub-620 credit. The 0.90% effective property tax rate, adjusted upward by 0.5% for inflation, directly impacts monthly affordability when using an FHA mortgage tool with PMI and taxes in Washington County, KS. Understanding Washington County FHA loan limits and property tax dynamics helps you budget accurately.

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.