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Manitowoc County FHA Loan Calculator

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

Loan Details

Manitowoc County, WI Benchmarks

FHA averages
Typical Property Value$235,982
Average Down Payment12.6%
Average Interest Rate6.489%
Effective Tax Rate1.31%
Median Tax Paid$2,695/yr
Tax Growth (Historical)-1.7%
Based on 164 regional loans totaling $32,910,000 (HMDA database).
$
%

$29,734 down · $206,248 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$258 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,820/mo

  • Principal & Interest$1,325
  • Property Tax$258
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$209,858

Total Interest

$267,165

Total of Payments

$477,023

*Includes financed FHA Upfront MIP of $3,609

Local Market Insights

Manitowoc County FHA Mortgage Overview

In Manitowoc County, the typical FHA buyer puts down 12.55% on a $235,982 home, offering accessible entry. However, this 87.45% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, even with this down payment—a key factor to consider. The 1.31% effective property tax rate, recently declining by -1.7% after inflation adjustment, provides slight monthly relief. For those exploring Manitowoc County FHA loan limits and property taxes, this data confirms a stable, owner-occupied market where MIP is a permanent cost, unlike conventional loans where PMI eventually drops.

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.