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Scotts Bluff County FHA Loan Calculator

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

Loan Details

Scotts Bluff County, NE Benchmarks

FHA averages
Typical Property Value$216,348
Average Down Payment12.9%
Average Interest Rate6.355%
Effective Tax Rate1.39%
Median Tax Paid$2,495/yr
Tax Growth (Historical)+0.8%
Based on 89 regional loans totaling $15,895,000 (HMDA database).
$
%

$27,909 down · $188,439 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$251 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,675/mo

  • Principal & Interest$1,194
  • Property Tax$251
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$191,737

Total Interest

$238,214

Total of Payments

$429,951

*Includes financed FHA Upfront MIP of $3,298

Local Market Insights

Scotts Bluff County FHA Mortgage Overview

In Scotts Bluff County, the 12.92% weighted average down payment with an FHA loan provides accessible entry for owner-occupants, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 87.08% LTV ratio. This data is ideal for buyers with sub-620 credit scores seeking a primary residence. The effective 1.39% property tax rate, adjusted upward by 0.8% for inflation, adds approximately $251 monthly to true affordability costs when factoring FHA loan limits and taxes.

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.