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Nuckolls County FHA Loan Calculator

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

Loan Details

Nuckolls County, NE Benchmarks

FHA averages
Typical Property Value$101,667
Average Down Payment10.5%
Average Interest Rate6.452%
Effective Tax Rate0.83%
Median Tax Paid$1,133/yr
Tax Growth (Historical)-5.6%
Based on 12 regional loans totaling $1,070,000 (HMDA database).
$
%

$10,675 down · $90,992 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$70 / month

$

Annual premium

$

Per month

%

$39 / month

Estimated Monthly Payment

$841/mo

  • Principal & Interest$582
  • Property Tax$70
  • Home Insurance$150
  • FHA MIP$39
Amortization · Remaining Balance

Financed Loan Amount

$92,584

Total Interest

$116,991

Total of Payments

$209,576

*Includes financed FHA Upfront MIP of $1,592

Local Market Insights

Nuckolls County FHA Mortgage Overview

For Nuckolls County homebuyers utilizing FHA financing, the 10.50% down payment on an average property value of $101,666.67 offers accessible entry. However, with an 89.50% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan, a key factor when using an FHA down payment analysis. The effective property tax rate of 0.83% is moderate, and the recent -5.6% inflation-adjusted tax change provides slight relief to monthly affordability. Given 100% primary occupancy, this data reflects standard homebuyers, not investors. For those evaluating an FHA mortgage with property taxes, the 6.452% average interest rate combined with permanent MIP makes this market ideal for buyers with sub-620 credit scores seeking stable, long-term occupancy.

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.