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Burt County FHA Loan Calculator

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

Loan Details

Burt County, NE Benchmarks

FHA averages
Typical Property Value$186,667
Average Down Payment9.4%
Average Interest Rate6.415%
Effective Tax Rate1.13%
Median Tax Paid$1,937/yr
Tax Growth (Historical)+3.0%
Based on 24 regional loans totaling $3,860,000 (HMDA database).
$
%

$17,547 down · $169,120 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$176 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,476/mo

  • Principal & Interest$1,079
  • Property Tax$176
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$172,080

Total Interest

$216,225

Total of Payments

$388,305

*Includes financed FHA Upfront MIP of $2,960

Local Market Insights

Burt County FHA Mortgage Overview

For Burt County homebuyers using an FHA loan, the 9.38% average down payment and 90.62% LTV ratio indicate accessible entry. However, unlike conventional loans, FHA requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of this down payment—ideal if your credit score is below 620. With an average property value of $186,666.67, the 1.13% property tax rate and a recent 3.0% inflation-adjusted tax increase meaningfully affect monthly affordability. When using an FHA loan calculator with PMI and taxes in Burt County, NE, remember MIP is permanent. This data reflects 100% 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.