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Sac County FHA Loan Calculator

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

Loan Details

Sac County, IA Benchmarks

FHA averages
Typical Property Value$147,609
Average Down Payment14.9%
Average Interest Rate6.526%
Effective Tax Rate0.93%
Median Tax Paid$1,556/yr
Tax Growth (Historical)+6.1%
Based on 23 regional loans totaling $2,775,000 (HMDA database).
$
%

$21,994 down · $125,615 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$114 / month

$

Annual premium

$

Per month

%

$53 / month

Estimated Monthly Payment

$1,128/mo

  • Principal & Interest$810
  • Property Tax$114
  • Home Insurance$150
  • FHA MIP$53
Amortization · Remaining Balance

Financed Loan Amount

$127,814

Total Interest

$163,928

Total of Payments

$291,741

*Includes financed FHA Upfront MIP of $2,198

Local Market Insights

Sac County FHA Mortgage Overview

For Sac County homebuyers using an FHA loan, the 14.93% average down payment provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 85.07% loan-to-value ratio. This FHA loan with PMI and taxes in Sac County, IA, is ideal for owner-occupants, especially those with sub-620 credit scores, as it requires less equity than conventional options. The local 0.93% effective property tax rate, coupled with a 6.1% inflation-adjusted increase, raises true monthly costs—critical when evaluating Sac County FHA loan limits and tax impacts. For precise affordability, analyze these figures alongside your income and debt.

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.