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Winnebago County FHA Loan Calculator

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

Loan Details

Winnebago County, WI Benchmarks

FHA averages
Typical Property Value$258,023
Average Down Payment11.9%
Average Interest Rate6.458%
Effective Tax Rate1.43%
Median Tax Paid$3,679/yr
Tax Growth (Historical)-0.1%
Based on 354 regional loans totaling $78,500,000 (HMDA database).
$
%

$30,705 down · $227,318 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$307 / month

$

Annual premium

$

Per month

%

$96 / month

Estimated Monthly Payment

$2,010/mo

  • Principal & Interest$1,456
  • Property Tax$307
  • Home Insurance$150
  • FHA MIP$96
Amortization · Remaining Balance

Financed Loan Amount

$231,296

Total Interest

$292,817

Total of Payments

$524,114

*Includes financed FHA Upfront MIP of $3,978

Local Market Insights

Winnebago County FHA Mortgage Overview

For Winnebago County homebuyers using an FHA loan, the 11.90% average down payment on a $258,023 property offers accessible entry. However, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of this down payment. With an 88.10% loan-to-value ratio and all buyers occupying as primary residences, this market suits those with sub-620 credit. The effective 1.43% property tax rate, coupled with a -0.1% inflation-adjusted tax shift, provides slight monthly relief. When evaluating an FHA loan with PMI and taxes in Winnebago County, WI, understand that the lower down payment offsets higher ongoing costs from MIP and taxes.

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.