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Sauk County FHA Loan Calculator

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

Loan Details

Sauk County, WI Benchmarks

FHA averages
Typical Property Value$303,151
Average Down Payment12.6%
Average Interest Rate6.423%
Effective Tax Rate1.23%
Median Tax Paid$3,755/yr
Tax Growth (Historical)-0.1%
Based on 119 regional loans totaling $30,265,000 (HMDA database).
$
%

$38,197 down · $264,954 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$311 / month

$

Annual premium

$

Per month

%

$112 / month

Estimated Monthly Payment

$2,263/mo

  • Principal & Interest$1,690
  • Property Tax$311
  • Home Insurance$150
  • FHA MIP$112
Amortization · Remaining Balance

Financed Loan Amount

$269,591

Total Interest

$338,751

Total of Payments

$608,342

*Includes financed FHA Upfront MIP of $4,637

Local Market Insights

Sauk County FHA Mortgage Overview

For Sauk County homebuyers, the 12.56% average down payment on an FHA loan offers accessible entry, but note that the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life regardless of equity, as the median 87.44% loan-to-value ratio confirms. This suits buyers with sub-620 credit scores seeking owner-occupied homes. The effective property tax rate of 1.23% adds roughly $3,729 annually to your monthly costs, though the recent -0.1% inflation-adjusted tax shift provides slight relief. When using a Sauk County FHA mortgage assessment with property taxes, remember the lower down payment offsets higher long-term MIP 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.