Oconto County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Oconto County, WI Benchmarks

FHA averages

Typical Property Value$259,135

Average Down Payment13.6%

Average Interest Rate6.535%

Effective Tax Rate1.05%

Median Tax Paid$2,727/yr

Tax Growth (Historical)-0.2%

Based on 104 regional loans totaling $22,530,000 (HMDA database).

Home Price

Down Payment

$35,242 down · $223,893 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$227 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$95 / month

Estimated Monthly Payment

$1,918/mo

Principal & Interest$1,446
Property Tax$227
Home Insurance$150
FHA MIP$95

Amortization · Remaining Balance

Financed Loan Amount

$227,811

Total Interest

$292,719

Total of Payments

$520,530

*Includes financed FHA Upfront MIP of $3,918

Local Market Insights

Oconto County FHA Mortgage Overview

Oconto County FHA buyers put 13.55% down on a $259,135 property, which is higher than the typical 3.5% minimum. This reduces the loan amount but does not eliminate the mandatory Mortgage Insurance Premium (MIP), which lasts for the loan's life due to the 86.45% LTV. The 1.05% tax rate and recent -0.2% inflation-adjusted decrease offer slight monthly relief. For those seeking an FHA loan with PMI and taxes in Oconto County, WI, this data confirms strong primary residency demand (100% occupancy) and accessible entry for buyers with sub-620 credit scores, though MIP is permanent regardless of down payment size.

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.