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Buena Vista County FHA Loan Calculator

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

Loan Details

Buena Vista County, IA Benchmarks

FHA averages
Typical Property Value$184,825
Average Down Payment8.7%
Average Interest Rate6.535%
Effective Tax Rate1.36%
Median Tax Paid$1,931/yr
Tax Growth (Historical)+2.8%
Based on 57 regional loans totaling $9,295,000 (HMDA database).
$
%

$16,080 down · $168,745 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$209 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,521/mo

  • Principal & Interest$1,090
  • Property Tax$209
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$171,698

Total Interest

$220,619

Total of Payments

$392,317

*Includes financed FHA Upfront MIP of $2,953

Local Market Insights

Buena Vista County FHA Mortgage Overview

For Buena Vista County homebuyers, the 8.71% average down payment on an FHA loan provides accessible entry, but the 91.29% loan-to-value ratio triggers mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. This data reflects 100% primary residences, not investments. The effective property tax rate of 1.36% adds $209 monthly on the $184,825 average value, with a 2.8% inflation-adjusted tax shift increasing true affordability costs. When evaluating an FHA mortgage with property taxes, this tax burden and permanent MIP make the 6.535% rate feel higher than advertised.

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.