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Barron County FHA Loan Calculator

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

Loan Details

Barron County, WI Benchmarks

FHA averages
Typical Property Value$262,710
Average Down Payment14.9%
Average Interest Rate6.318%
Effective Tax Rate1.22%
Median Tax Paid$2,843/yr
Tax Growth (Historical)-2.3%
Based on 131 regional loans totaling $28,195,000 (HMDA database).
$
%

$39,144 down · $223,566 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$267 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,923/mo

  • Principal & Interest$1,411
  • Property Tax$267
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$227,479

Total Interest

$280,481

Total of Payments

$507,959

*Includes financed FHA Upfront MIP of $3,912

Local Market Insights

Barron County FHA Mortgage Overview

For Barron County homebuyers using an FHA loan, the 14.94% down payment on an average $262,710 property provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity level. The 85.06% loan-to-value ratio confirms this is a standard owner-occupied purchase, not an investment. With a 1.22% effective property tax rate and a recent -2.3% inflation-adjusted tax decrease, monthly affordability improves slightly. When evaluating an FHA loan with PMI and taxes in Barron County, WI, this lower tax burden offsets some of the ongoing MIP costs, making the true monthly payment more stable for buyers with sub-620 credit scores.

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.