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Lincoln County FHA Loan Calculator

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

Loan Details

Lincoln County, WI Benchmarks

FHA averages
Typical Property Value$224,200
Average Down Payment10.6%
Average Interest Rate6.504%
Effective Tax Rate1.16%
Median Tax Paid$2,549/yr
Tax Growth (Historical)-2.3%
Based on 75 regional loans totaling $14,655,000 (HMDA database).
$
%

$23,765 down · $200,435 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$217 / month

$

Annual premium

$

Per month

%

$85 / month

Estimated Monthly Payment

$1,741/mo

  • Principal & Interest$1,289
  • Property Tax$217
  • Home Insurance$150
  • FHA MIP$85
Amortization · Remaining Balance

Financed Loan Amount

$203,942

Total Interest

$260,117

Total of Payments

$464,060

*Includes financed FHA Upfront MIP of $3,508

Local Market Insights

Lincoln County FHA Mortgage Overview

Lincoln County’s FHA market reveals a strategic entry point for owner-occupants. The 10.58% down payment and 89.42% LTV ratio confirm accessible financing, though mandatory MIP applies for the loan’s life—ideal for buyers with sub-620 credit. With an average property value of $224,200 and a 6.504% rate, monthly costs are heavily influenced by the 1.16% effective property tax rate. Notably, the recent -2.3% inflation-adjusted tax shift slightly eases long-term affordability. For those exploring an FHA loan with PMI and taxes in Lincoln County, WI, understanding these tax impacts and FHA loan limits is crucial for true monthly budgeting.

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.