Natrona County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Natrona County, WY Benchmarks

FHA averages

Typical Property Value$296,111

Average Down Payment6.8%

Average Interest Rate6.205%

Effective Tax Rate0.57%

Median Tax Paid$1,645/yr

Tax Growth (Historical)-0.8%

Based on 523 regional loans totaling $141,125,000 (HMDA database).

Home Price

Down Payment

$20,136 down · $275,975 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

$141 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$117 / month

Estimated Monthly Payment

$2,129/mo

Principal & Interest$1,722
Property Tax$141
Home Insurance$150
FHA MIP$117

Amortization · Remaining Balance

Financed Loan Amount

$280,805

Total Interest

$338,995

Total of Payments

$619,800

*Includes financed FHA Upfront MIP of $4,830

Local Market Insights

Natrona County FHA Mortgage Overview

In Natrona County, the FHA loan structure with a 6.84% down payment and a 93.16% loan-to-value ratio provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for buyers with sub-620 credit. The 0.57% effective property tax rate, with a -0.8% inflation-adjusted decline, slightly lowers monthly affordability. When evaluating an FHA loan with PMI and taxes in Natrona County, WY, this data reflects 100% owner-occupied purchases, emphasizing stable, primary residence financing.

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.