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Eau Claire County FHA Loan Calculator

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

Loan Details

Eau Claire County, WI Benchmarks

FHA averages
Typical Property Value$287,659
Average Down Payment11.1%
Average Interest Rate6.388%
Effective Tax Rate1.27%
Median Tax Paid$3,514/yr
Tax Growth (Historical)-1.5%
Based on 173 regional loans totaling $43,385,000 (HMDA database).
$
%

$31,930 down · $255,729 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$304 / month

$

Annual premium

$

Per month

%

$108 / month

Estimated Monthly Payment

$2,189/mo

  • Principal & Interest$1,626
  • Property Tax$304
  • Home Insurance$150
  • FHA MIP$108
Amortization · Remaining Balance

Financed Loan Amount

$260,204

Total Interest

$325,116

Total of Payments

$585,320

*Includes financed FHA Upfront MIP of $4,475

Local Market Insights

Eau Claire County FHA Mortgage Overview

Eau Claire County homebuyers using an FHA loan with an 11.14% down payment benefit from accessible entry, but must account for mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the high 88.86% loan-to-value ratio. This makes FHA ideal for buyers with sub-620 credit scores. The 1.27% effective property tax rate, combined with a -1.5% inflation-adjusted tax change, slightly reduces monthly costs, improving affordability. When evaluating an FHA loan with PMI and taxes in Eau Claire County, WI, remember the down payment and these tax shifts directly impact true monthly payments for owner-occupied homes.

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.