Kane County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Kane County, UT Benchmarks

FHA averages

Typical Property Value$363,261

Average Down Payment11.0%

Average Interest Rate5.920%

Effective Tax Rate0.41%

Median Tax Paid$1,630/yr

Tax Growth (Historical)+7.6%

Based on 23 regional loans totaling $7,105,000 (HMDA database).

Home Price

Down Payment

$39,959 down · $323,302 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

$124 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$137 / month

Estimated Monthly Payment

$2,367/mo

Principal & Interest$1,955
Property Tax$124
Home Insurance$150
FHA MIP$137

Amortization · Remaining Balance

Financed Loan Amount

$328,960

Total Interest

$374,982

Total of Payments

$703,942

*Includes financed FHA Upfront MIP of $5,658

Local Market Insights

Kane County FHA Mortgage Overview

In Kane County, Utah, the 11.00% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life due to the 89.00% loan-to-value ratio. This is ideal for buyers with sub-620 credit seeking primary residences. The 0.41% effective property tax rate is low, yet the 7.6% inflation-adjusted tax shift will increase monthly costs. When evaluating an FHA loan with PMI and taxes in Kane County, UT, or exploring FHA loan limits, factor this rising tax burden into your true monthly 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.