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Decatur County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Decatur County, KS Benchmarks

FHA averages
Typical Property Value$125,909
Average Down Payment8.8%
Average Interest Rate6.733%
Effective Tax Rate1.51%
$
%

$11,080 down · $114,829 financed

Estimated Monthly Payment

$1,113/mo

  • Principal & Interest$756
  • Property Tax$158
  • Home Insurance$150
  • FHA MIP$49
Amortization · Remaining Balance

Financed Loan Amount

$116,839

Total Interest

$155,415

Total of Payments

$272,254

*Includes financed FHA Upfront MIP of $2,010

Local Market Insights

Decatur County FHA Mortgage Overview

In Decatur County, the 8.75% down payment on an FHA loan creates accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life due to the 91.25% loan-to-value ratio. This data, reflecting 100% owner-occupied purchases, shows FHA is ideal for buyers with sub-620 credit. The 1.51% effective property tax rate, coupled with a 10.5% inflation-adjusted tax increase, significantly raises true monthly affordability. When evaluating a Decatur County FHA loan with PMI and taxes, this tax shift must be factored into your budget alongside the low down payment.

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.