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Washington County FHA Loan Calculator

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

Loan Details

Washington County, WI Benchmarks

FHA averages
Typical Property Value$375,467
Average Down Payment14.2%
Average Interest Rate6.387%
Effective Tax Rate1.06%
Median Tax Paid$3,802/yr
Tax Growth (Historical)-2.8%
Based on 214 regional loans totaling $66,370,000 (HMDA database).
$
%

$53,316 down · $322,151 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$332 / month

$

Annual premium

$

Per month

%

$137 / month

Estimated Monthly Payment

$2,666/mo

  • Principal & Interest$2,048
  • Property Tax$332
  • Home Insurance$150
  • FHA MIP$137
Amortization · Remaining Balance

Financed Loan Amount

$327,788

Total Interest

$409,560

Total of Payments

$737,348

*Includes financed FHA Upfront MIP of $5,638

Local Market Insights

Washington County FHA Mortgage Overview

In Washington County, a 14.20% down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. The 85.80% loan-to-value ratio confirms this, making FHA ideal for buyers with sub-620 credit. The effective property tax rate of 1.06% adds significant monthly cost, though the recent inflation-adjusted tax decline of -2.8% offers slight relief. For accurate monthly budgeting, including FHA loan limits and property taxes in Washington County, WI, this data reflects 100% owner-occupied purchases.

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.