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Custer County FHA Loan Calculator

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

Loan Details

Custer County, NE Benchmarks

FHA averages
Typical Property Value$154,333
Average Down Payment12.6%
Average Interest Rate6.262%
Effective Tax Rate1.03%
Median Tax Paid$1,838/yr
Tax Growth (Historical)-3.6%
Based on 15 regional loans totaling $1,945,000 (HMDA database).
$
%

$19,446 down · $134,887 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$132 / month

$

Annual premium

$

Per month

%

$57 / month

Estimated Monthly Payment

$1,186/mo

  • Principal & Interest$846
  • Property Tax$132
  • Home Insurance$150
  • FHA MIP$57
Amortization · Remaining Balance

Financed Loan Amount

$137,248

Total Interest

$167,294

Total of Payments

$304,542

*Includes financed FHA Upfront MIP of $2,361

Local Market Insights

Custer County FHA Mortgage Overview

For Custer County homebuyers using an FHA loan, the 12.62% average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity, as indicated by the 87.38% median LTV. This is ideal for those with sub-620 credit seeking primary residence financing. The 1.03% effective property tax rate, combined with a -3.6% inflation-adjusted reduction, slightly lowers true monthly affordability. When evaluating an FHA loan with PMI and taxes in Custer County, NE, these factors ensure stable long-term costs within local loan limits.

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.