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Wyoming County FHA Loan Calculator

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

Loan Details

Wyoming County, NY Benchmarks

FHA averages
Typical Property Value$207,841
Average Down Payment11.5%
Average Interest Rate6.376%
Effective Tax Rate1.89%
Median Tax Paid$3,650/yr
Tax Growth (Historical)-0.5%
Based on 88 regional loans totaling $15,790,000 (HMDA database).
$
%

$23,902 down · $183,939 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$327 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,724/mo

  • Principal & Interest$1,168
  • Property Tax$327
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$187,158

Total Interest

$233,407

Total of Payments

$420,565

*Includes financed FHA Upfront MIP of $3,219

Local Market Insights

Wyoming County FHA Mortgage Overview

In Wyoming County, NY, the 11.50% average down payment on an FHA loan provides accessible entry, but the 88.50% Loan-to-Value (LTV) ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life—ideal for buyers with sub-620 credit. This data reflects 100% primary residences. The effective property tax rate of 1.89% adds significant monthly cost, though the recent -0.5% inflation-adjusted tax change offers slight relief. For precise monthly figures, including MIP and taxes, review a detailed FHA loan down payment analysis in Wyoming County, New York, or check Wyoming County FHA loan limits alongside property tax estimates to gauge true affordability.

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.