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Worth County FHA Loan Calculator

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

Loan Details

Worth County, IA Benchmarks

FHA averages
Typical Property Value$204,231
Average Down Payment14.4%
Average Interest Rate6.661%
Effective Tax Rate0.91%
Median Tax Paid$1,600/yr
Tax Growth (Historical)+1.4%
Based on 13 regional loans totaling $2,245,000 (HMDA database).
$
%

$29,409 down · $174,822 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$155 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,522/mo

  • Principal & Interest$1,143
  • Property Tax$155
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$177,881

Total Interest

$233,639

Total of Payments

$411,520

*Includes financed FHA Upfront MIP of $3,059

Local Market Insights

Worth County FHA Mortgage Overview

For Worth County homebuyers, the 14.44% 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 equity, ideal for sub-620 credit scores. With an 85.56% loan-to-value ratio and 100% owner-occupied status, this data reflects standard primary residences. The 0.91% effective property tax rate, adjusted 1.4% for inflation, adds roughly $1,858 annually to true monthly costs. When evaluating an FHA loan with PMI and taxes in Worth County, IA, or using an FHA down payment tool in Worth County, Iowa, factor in the 6.661% rate and $204,231 average property value for accurate budgeting.

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.