Keya Paha County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Keya Paha County, NE Benchmarks

FHA averages

Typical Property Value$175,000

Average Down Payment50.1%

Average Interest Rate%

Effective Tax Rate1.14%

Median Tax Paid$1,404/yr

Tax Growth (Historical)+9.8%

Based on 2 regional loans totaling $190,000 (HMDA database).

Home Price

Down Payment

$87,675 down · $87,325 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$166 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

Not required at 20%+ down

Estimated Monthly Payment

$930/mo

Principal & Interest$576
Property Tax$166
Home Insurance$150
FHA MIP$37

Amortization · Remaining Balance

Financed Loan Amount

$88,853

Total Interest

$118,615

Total of Payments

$207,468

*Includes financed FHA Upfront MIP of $1,528

Local Market Insights

Keya Paha County FHA Mortgage Overview

In Keya Paha County, the average 50.14% down payment on an FHA loan provides significant equity from the outset, yet mandatory Mortgage Insurance Premiums (MIP) remain for the entire loan term regardless of this large stake. This structure is ideal for buyers with sub-620 credit scores seeking a primary residence. With a median loan-to-value ratio of 49.86%, the risk profile is low. However, the effective property tax rate of 1.14% and a recent inflation-adjusted tax increase of 9.8% meaningfully impact monthly affordability. When evaluating an FHA loan with PMI and taxes in Keya Paha County, NE, these persistent MIP costs and rising tax burdens must be factored into any long-term budget analysis.

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.