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Pierce County FHA Loan Calculator

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

Loan Details

Pierce County, WI Benchmarks

FHA averages
Typical Property Value$330,676
Average Down Payment11.5%
Average Interest Rate6.147%
Effective Tax Rate1.30%
Median Tax Paid$4,551/yr
Tax Growth (Historical)-3.0%
Based on 74 regional loans totaling $21,420,000 (HMDA database).
$
%

$38,028 down · $292,648 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$358 / month

$

Annual premium

$

Per month

%

$124 / month

Estimated Monthly Payment

$2,446/mo

  • Principal & Interest$1,814
  • Property Tax$358
  • Home Insurance$150
  • FHA MIP$124
Amortization · Remaining Balance

Financed Loan Amount

$297,770

Total Interest

$355,305

Total of Payments

$653,075

*Includes financed FHA Upfront MIP of $5,121

Local Market Insights

Pierce County FHA Mortgage Overview

For Pierce County homebuyers utilizing an FHA loan, the 11.49% down payment and 88.51% LTV ratio provide accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. This data reflects 100% primary residences, not investments. The effective property tax rate of 1.30% on a $330,676 property, combined with a recent -3.0% inflation-adjusted tax decrease, slightly reduces monthly affordability. When evaluating your FHA loan down payment in Pierce County, Wisconsin, factor in these permanent MIP costs alongside property taxes to understand true long-term expenses.

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.