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Wilson County FHA Loan Calculator

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

Loan Details

Wilson County, KS Benchmarks

FHA averages
Typical Property Value$127,000
Average Down Payment6.8%
Average Interest Rate6.554%
Effective Tax Rate1.27%
Median Tax Paid$1,387/yr
Tax Growth (Historical)+4.0%
Based on 20 regional loans totaling $2,290,000 (HMDA database).
$
%

$8,636 down · $118,364 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$134 / month

$

Annual premium

$

Per month

%

$50 / month

Estimated Monthly Payment

$1,100/mo

  • Principal & Interest$765
  • Property Tax$134
  • Home Insurance$150
  • FHA MIP$50
Amortization · Remaining Balance

Financed Loan Amount

$120,435

Total Interest

$155,036

Total of Payments

$275,471

*Includes financed FHA Upfront MIP of $2,071

Local Market Insights

Wilson County FHA Mortgage Overview

For Wilson County homebuyers using an FHA loan, the 6.82% average down payment (against a $127,000 property value) offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life. With a 93.18% Loan-to-Value ratio, this reflects 100% owner-occupied purchases. The effective property tax rate of 1.27%, adjusted upward by 4.0% for inflation, directly impacts monthly affordability. When evaluating an FHA loan down payment in Wilson County, KS, remember that MIP and these rising property taxes are permanent costs, unlike conventional loans where PMI can eventually be removed. This data is ideal for buyers with sub-620 credit seeking a primary residence.

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.