Johnson County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Johnson County, WY Benchmarks

FHA averages

Typical Property Value$311,111

Average Down Payment11.9%

Average Interest Rate6.144%

Effective Tax Rate0.53%

Median Tax Paid$1,816/yr

Tax Growth (Historical)+7.8%

Based on 18 regional loans totaling $4,890,000 (HMDA database).

Home Price

Down Payment

$37,022 down · $274,089 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

$137 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$116 / month

Estimated Monthly Payment

$2,101/mo

Principal & Interest$1,697
Property Tax$137
Home Insurance$150
FHA MIP$116

Amortization · Remaining Balance

Financed Loan Amount

$278,885

Total Interest

$332,122

Total of Payments

$611,007

*Includes financed FHA Upfront MIP of $4,797

Local Market Insights

Johnson County FHA Mortgage Overview

In Johnson County, the 11.93% average down payment on FHA loans provides accessible entry, but the 88.07% Loan-to-Value ratio confirms mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for buyers with sub-620 credit. This data reflects 100% owner-occupied purchases. With property taxes at a low 0.53% but a recent 7.8% inflation-adjusted increase, monthly affordability is tightening. For a thorough analysis of an FHA loan with PMI and taxes in Johnson County, WY, or to understand Johnson County FHA loan limits and property tax impacts, this local data serves as a reliable baseline.

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.