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Hardin County FHA Loan Calculator

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

Loan Details

Hardin County, IA Benchmarks

FHA averages
Typical Property Value$167,326
Average Down Payment8.3%
Average Interest Rate6.480%
Effective Tax Rate1.25%
Median Tax Paid$1,683/yr
Tax Growth (Historical)+1.2%
Based on 43 regional loans totaling $6,525,000 (HMDA database).
$
%

$13,888 down · $153,438 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$174 / month

$

Annual premium

$

Per month

%

$65 / month

Estimated Monthly Payment

$1,374/mo

  • Principal & Interest$985
  • Property Tax$174
  • Home Insurance$150
  • FHA MIP$65
Amortization · Remaining Balance

Financed Loan Amount

$156,123

Total Interest

$198,387

Total of Payments

$354,511

*Includes financed FHA Upfront MIP of $2,685

Local Market Insights

Hardin County FHA Mortgage Overview

Hardin County’s FHA market reveals a highly accessible entry point for owner-occupants, with a weighted average down payment of just 8.29% and a median LTV of 91.71%. This low down payment, combined with the 6.48% rate, makes an FHA loan calculator with PMI and taxes in Hardin County, IA essential for budgeting. However, the 8.29% down payment means mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, a key factor in any Hardin County FHA mortgage calculator with property taxes. The effective property tax rate of 1.25%, adjusted upward by 1.2% for inflation, adds roughly $174 monthly on the average $167,326 property. For buyers using an FHA loan down payment calculator in Hardin County, Iowa, this tax shift directly increases true monthly affordability, making it critical to factor into total housing costs.

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.