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DeKalb County FHA Loan Calculator

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

Loan Details

DeKalb County, IN Benchmarks

FHA averages
Typical Property Value$229,859
Average Down Payment10.4%
Average Interest Rate6.536%
Effective Tax Rate0.61%
Median Tax Paid$1,205/yr
Tax Growth (Historical)+4.6%
Based on 177 regional loans totaling $35,645,000 (HMDA database).
$
%

$23,905 down · $205,954 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$117 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,684/mo

  • Principal & Interest$1,330
  • Property Tax$117
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$209,558

Total Interest

$269,266

Total of Payments

$478,824

*Includes financed FHA Upfront MIP of $3,604

Local Market Insights

DeKalb County FHA Mortgage Overview

In DeKalb County, the 10.43% average down payment on FHA loans (average property value $229,858.76) provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan due to the 89.57% median LTV. This data reflects 100% primary occupancy. The 0.61% effective property tax rate, adjusted 4.6% for inflation, adds moderate monthly cost. For buyers using an FHA loan with PMI and taxes in DeKalb County, IN, this structure favors those with sub-620 credit scores seeking lower upfront cash, though ongoing MIP impacts true affordability. Understanding DeKalb County FHA loan limits and property taxes is key for budgeting total housing expense.

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.