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Hamilton County FHA Loan Calculator

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

Loan Details

Hamilton County, NE Benchmarks

FHA averages
Typical Property Value$235,000
Average Down Payment9.1%
Average Interest Rate6.346%
Effective Tax Rate0.96%
Median Tax Paid$2,407/yr
Tax Growth (Historical)+2.1%
Based on 40 regional loans totaling $8,390,000 (HMDA database).
$
%

$21,385 down · $213,615 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$188 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,781/mo

  • Principal & Interest$1,352
  • Property Tax$188
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$217,353

Total Interest

$269,529

Total of Payments

$486,882

*Includes financed FHA Upfront MIP of $3,738

Local Market Insights

Hamilton County FHA Mortgage Overview

Hamilton County’s FHA market reveals a strategic entry point for owner-occupants, with a 9.14% down payment and 90.86% LTV. While this low barrier suits buyers with sub-620 credit, mandatory MIP applies for the loan’s life. The 0.96% property tax rate, rising 2.1% with inflation, adds modest monthly cost. When using an FHA loan calculator with PMI and taxes in Hamilton County, NE, these factors directly shape true affordability. An FHA down payment calculator in Hamilton County, Nebraska, confirms that this accessible path outweighs permanent MIP for those prioritizing minimal upfront cash.

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.