Page County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

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

Page County, IA Benchmarks

FHA averages

Typical Property Value$168,019

Average Down Payment14.2%

Average Interest Rate6.530%

Effective Tax Rate1.20%

Home Price

Down Payment

$23,859 down · $144,160 financed

Estimated Monthly Payment

$1,309/mo

Principal & Interest$930
Property Tax$168
Home Insurance$150
FHA MIP$61

Amortization · Remaining Balance

Financed Loan Amount

$146,683

Total Interest

$188,129

Total of Payments

$334,812

*Includes financed FHA Upfront MIP of $2,523

Local Market Insights

Page County FHA Mortgage Overview

For Page County homebuyers, the 14.24% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity. The 85.76% loan-to-value ratio confirms this, making an FHA loan calculator with PMI and taxes essential for true monthly affordability. With a 1.20% property tax rate and a recent -0.6% inflation-adjusted decrease, your effective tax burden is slightly easing. This data reflects 100% owner-occupied purchases, not investor activity, indicating a stable local market for those exploring Page County FHA loan limits and tax scenarios.

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.