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Albany County FHA Loan Calculator

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

Loan Details

Albany County, WY Benchmarks

FHA averages
Typical Property Value$382,273
Average Down Payment9.6%
Average Interest Rate6.207%
Effective Tax Rate0.58%
Median Tax Paid$1,925/yr
Tax Growth (Historical)+1.2%
Based on 88 regional loans totaling $29,660,000 (HMDA database).
$
%

$36,698 down · $345,575 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$185 / month

$

Annual premium

$

Per month

%

$147 / month

Estimated Monthly Payment

$2,637/mo

  • Principal & Interest$2,156
  • Property Tax$185
  • Home Insurance$150
  • FHA MIP$147
Amortization · Remaining Balance

Financed Loan Amount

$351,622

Total Interest

$424,487

Total of Payments

$776,110

*Includes financed FHA Upfront MIP of $6,048

Local Market Insights

Albany County FHA Mortgage Overview

For Albany County homebuyers, the 9.60% average down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 90.40% loan-to-value ratio. This makes an FHA loan calculator with PMI and taxes in Albany County, WY, essential for budgeting. The effective property tax rate of 0.58% is low, though the 1.2% inflation-adjusted increase will slightly raise monthly costs. When using an FHA loan down payment calculator in Albany County, Wyoming, factor in these MIP payments. An Albany County FHA mortgage calculator with property taxes confirms that this data reflects 100% owner-occupied primary residences, not investments.

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.