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Winnebago County FHA Loan Calculator

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

Loan Details

Winnebago County, IA Benchmarks

FHA averages
Typical Property Value$169,762
Average Down Payment13.8%
Average Interest Rate6.717%
Effective Tax Rate1.35%
Median Tax Paid$1,781/yr
Tax Growth (Historical)-4.0%
Based on 21 regional loans totaling $2,965,000 (HMDA database).
$
%

$23,427 down · $146,335 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$191 / month

$

Annual premium

$

Per month

%

$62 / month

Estimated Monthly Payment

$1,366/mo

  • Principal & Interest$963
  • Property Tax$191
  • Home Insurance$150
  • FHA MIP$62
Amortization · Remaining Balance

Financed Loan Amount

$148,896

Total Interest

$197,701

Total of Payments

$346,596

*Includes financed FHA Upfront MIP of $2,561

Local Market Insights

Winnebago County FHA Mortgage Overview

In Winnebago County, the FHA loan data reveals a market built for accessible entry. The 13.78% down payment (against an average property value of $169,762) is below the 20% threshold, meaning mandatory Mortgage Insurance Premiums (MIP) will apply for the entire loan term—a key consideration when using an FHA loan down payment tool. With a high 86.22% loan-to-value ratio, this financing suits buyers with sub-620 credit scores seeking primary residences. The 1.35% effective property tax rate, coupled with a -4.0% inflation-adjusted tax decrease, slightly reduces monthly burdens, which is vital when evaluating an FHA mortgage with property taxes in Winnebago County, IA. Overall, these Winnebago County FHA loan limits support owner-occupied purchases despite the 6.717% interest rate.

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.