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Sedgwick County FHA Loan Calculator

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

Loan Details

Sedgwick County, CO Benchmarks

FHA averages
Typical Property Value$254,167
Average Down Payment11.4%
Average Interest Rate6.140%
Effective Tax Rate0.52%
Median Tax Paid$664/yr
Tax Growth (Historical)-4.0%
Based on 12 regional loans totaling $2,660,000 (HMDA database).
$
%

$28,975 down · $225,192 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$110 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,750/mo

  • Principal & Interest$1,394
  • Property Tax$110
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$229,133

Total Interest

$272,872

Total of Payments

$502,005

*Includes financed FHA Upfront MIP of $3,941

Local Market Insights

Sedgwick County FHA Mortgage Overview

For Sedgwick County homebuyers using an FHA loan, the 11.45% average down payment and 88.55% loan-to-value ratio provide accessible entry. However, because this is an FHA loan, the mandatory Mortgage Insurance Premium (MIP) applies for the entire loan term, regardless of equity—ideal for those with sub-620 credit scores. The effective property tax rate of 0.52% is low, and the recent -4.0% inflation-adjusted tax change further reduces monthly costs. With 100% primary occupancy, this data reflects owner-occupied buyers, not investors. When evaluating true monthly affordability with an FHA loan in Sedgwick County, CO, factor in both the MIP and these favorable 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.