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Waukesha County FHA Loan Calculator

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

Loan Details

Waukesha County, WI Benchmarks

FHA averages
Typical Property Value$420,708
Average Down Payment15.6%
Average Interest Rate6.348%
Effective Tax Rate1.11%
Median Tax Paid$4,554/yr
Tax Growth (Historical)-2.4%
Based on 424 regional loans totaling $146,740,000 (HMDA database).
$
%

$65,630 down · $355,078 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$389 / month

$

Annual premium

$

Per month

%

$151 / month

Estimated Monthly Payment

$2,938/mo

  • Principal & Interest$2,248
  • Property Tax$389
  • Home Insurance$150
  • FHA MIP$151
Amortization · Remaining Balance

Financed Loan Amount

$361,291

Total Interest

$448,019

Total of Payments

$809,310

*Includes financed FHA Upfront MIP of $6,214

Local Market Insights

Waukesha County FHA Mortgage Overview

For Waukeska County homebuyers using an FHA loan, the 15.59% average down payment exceeds the 3.5% minimum, yet the 84.41% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life. This structure suits buyers with sub-620 credit scores seeking accessible entry. The 1.11% effective property tax rate, coupled with a -2.4% inflation-adjusted tax decline, slightly improves monthly affordability. When evaluating an FHA mortgage with property taxes in Waukesha County, WI, this tax relief offsets some of the 6.348% interest rate burden, making the overall cost manageable for primary residences.

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.