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Perkins County FHA Loan Calculator

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

Loan Details

Perkins County, NE Benchmarks

FHA averages
Typical Property Value$257,000
Average Down Payment21.5%
Average Interest Rate6.913%
Effective Tax Rate0.95%
Median Tax Paid$1,574/yr
Tax Growth (Historical)+0.9%
Based on 5 regional loans totaling $1,025,000 (HMDA database).
$
%

$55,255 down · $201,745 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$203 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,792/mo

  • Principal & Interest$1,353
  • Property Tax$203
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$205,276

Total Interest

$281,919

Total of Payments

$487,195

*Includes financed FHA Upfront MIP of $3,531

Local Market Insights

Perkins County FHA Mortgage Overview

For Perkins County homebuyers using an FHA loan, the 21.53% weighted average down payment is notably high, providing accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. The 78.47% Loan-to-Value ratio reflects strong equity, but the MIP remains permanent—ideal for those with sub-620 credit. The effective property tax rate of 0.95%, with a 0.9% inflation-adjusted increase, adds modest monthly cost. For an FHA loan with PMI and taxes in Perkins County, NE, this data confirms a stable, owner-occupied market where down payment trends offset tax impacts.

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.