Fremont County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Fremont County, WY Benchmarks

FHA averages

Typical Property Value$291,466

Average Down Payment11.4%

Average Interest Rate6.246%

Effective Tax Rate0.53%

Median Tax Paid$1,671/yr

Tax Growth (Historical)+1.9%

Based on 133 regional loans totaling $32,175,000 (HMDA database).

Home Price

Down Payment

$33,227 down · $258,239 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$129 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$109 / month

Estimated Monthly Payment

$2,006/mo

Principal & Interest$1,618
Property Tax$129
Home Insurance$150
FHA MIP$109

Amortization · Remaining Balance

Financed Loan Amount

$262,758

Total Interest

$319,667

Total of Payments

$582,425

*Includes financed FHA Upfront MIP of $4,519

Local Market Insights

Fremont County FHA Mortgage Overview

In Fremont County, the average 11.40% down payment on an FHA loan provides accessible entry, but this loan type mandates Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of equity. The 88.60% Loan-to-Value (LTV) ratio confirms this is typical for owner-occupied buyers. With a 0.53% effective property tax rate and a recent 1.9% inflation-adjusted increase, monthly affordability is impacted. For homebuyers using a Fremont County FHA loan with PMI and taxes, the low down payment is ideal for those with sub-620 credit scores, though the MIP remains a permanent cost.

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.