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Waupaca County FHA Loan Calculator

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

Loan Details

Waupaca County, WI Benchmarks

FHA averages
Typical Property Value$238,889
Average Down Payment15.3%
Average Interest Rate6.563%
Effective Tax Rate1.26%
Median Tax Paid$2,924/yr
Tax Growth (Historical)-1.4%
Based on 145 regional loans totaling $28,585,000 (HMDA database).
$
%

$36,550 down · $202,339 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$251 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,796/mo

  • Principal & Interest$1,309
  • Property Tax$251
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$205,880

Total Interest

$265,517

Total of Payments

$471,397

*Includes financed FHA Upfront MIP of $3,541

Local Market Insights

Waupaca County FHA Mortgage Overview

For Waupaca County homebuyers, the 15.30% weighted average down payment on an FHA loan provides accessible entry, but note that FHA mortgage insurance premiums (MIP) are mandatory for the loan's life regardless of equity. With an 84.70% LTV and 100% owner-occupancy, this data reflects standard buyers. The effective property tax rate of 1.26% on a $238,888 average property value adds roughly $251 monthly, though the recent -1.4% inflation-adjusted tax shift offers slight relief. When evaluating an FHA loan with PMI and taxes in Waupaca County, WI, this combination supports lower credit scores (sub-620) but locks in permanent MIP costs.

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.