Atchison County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Atchison County, KS Benchmarks

FHA averages

Typical Property Value$201,327

Average Down Payment12.1%

Average Interest Rate6.586%

Effective Tax Rate1.31%

Median Tax Paid$1,925/yr

Tax Growth (Historical)-3.8%

Based on 49 regional loans totaling $8,465,000 (HMDA database).

Home Price

Down Payment

$24,361 down · $176,966 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$220 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$75 / month

Estimated Monthly Payment

$1,594/mo

Principal & Interest$1,149
Property Tax$220
Home Insurance$150
FHA MIP$75

Amortization · Remaining Balance

Financed Loan Amount

$180,063

Total Interest

$233,505

Total of Payments

$413,568

*Includes financed FHA Upfront MIP of $3,097

Local Market Insights

Atchison County FHA Mortgage Overview

In Atchison County, the 12.08% average down payment on an FHA loan provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 87.92% loan-to-value ratio. This is ideal for buyers with sub-620 credit seeking primary residence financing. The 1.31% effective property tax rate, combined with a -3.8% inflation-adjusted tax decline, slightly reduces monthly costs. When evaluating an FHA loan with PMI and taxes in Atchison County, KS, the lower tax burden partially offsets the permanent MIP, making the average $201,327 property more affordable over time.

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.