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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, WI Benchmarks

FHA averages
Typical Property Value$334,231
Average Down Payment12.9%
Average Interest Rate6.488%
Effective Tax Rate1.22%
Median Tax Paid$4,005/yr
Tax Growth (Historical)-2.6%
Based on 182 regional loans totaling $51,500,000 (HMDA database).
$
%

$43,116 down · $291,115 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$340 / month

$

Annual premium

$

Per month

%

$123 / month

Estimated Monthly Payment

$2,484/mo

  • Principal & Interest$1,870
  • Property Tax$340
  • Home Insurance$150
  • FHA MIP$123
Amortization · Remaining Balance

Financed Loan Amount

$296,210

Total Interest

$377,098

Total of Payments

$673,308

*Includes financed FHA Upfront MIP of $5,095

Local Market Insights

Jefferson County FHA Mortgage Overview

In Jefferson County, the 12.88% average down payment on an FHA loan provides accessible entry for owner-occupants, though mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life due to the 87.12% loan-to-value ratio. This structure suits buyers with sub-620 credit scores. The 1.22% effective property tax rate, combined with a -2.6% inflation-adjusted tax change, slightly improves monthly affordability for those using an FHA mortgage calculator with PMI and taxes. With a 6.488% average interest rate on a $334,230.77 property, these Jefferson County FHA loan limits and tax dynamics favor long-term occupancy over investment flipping.

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.