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Wrangell City and Borough FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Wrangell City and Borough, Alaska based on real HMDA transaction records.

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Wrangell City and Borough, AK Benchmarks

FHA averages
Typical Property Value$415,000
Average Down Payment53.3%
Average Interest Rate5.875%
Effective Tax Rate0.45%
$
%

$221,195 down · $193,805 financed

Estimated Monthly Payment

$1,555/mo

  • Principal & Interest$1,167
  • Property Tax$156
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$197,197

Total Interest

$222,968

Total of Payments

$420,164

*Includes financed FHA Upfront MIP of $3,392

Local Market Insights

Wrangell City and Borough FHA Mortgage Overview

In Wrangell City and Borough, FHA buyers are leveraging a substantial 53.25% down payment on a $415,000 property, resulting in a low 46.75% loan-to-value ratio. Despite this equity, FHA mortgage insurance premiums (MIP) remain for the loan’s life, making this structure ideal for buyers with sub-620 credit seeking lower monthly principal. The effective property tax rate of 0.45% is modest, and the recent -9.6% inflation-adjusted tax change further reduces long-term carrying costs. With 100% primary occupancy, this FHA loan analysis with PMI and taxes in Wrangell City and Borough, AK highlights stable affordability, though buyers should factor in mandatory MIP when evaluating their FHA mortgage calculator with property 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.