Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Kansas>Dickinson County (FHA)

Dickinson County FHA Loan Calculator

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

Loan Details

Dickinson County, KS Benchmarks

FHA averages
Typical Property Value$186,200
Average Down Payment9.8%
Average Interest Rate6.395%
Effective Tax Rate1.38%
Median Tax Paid$2,154/yr
Tax Growth (Historical)-1.6%
Based on 50 regional loans totaling $8,340,000 (HMDA database).
$
%

$18,248 down · $167,952 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$214 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,503/mo

  • Principal & Interest$1,068
  • Property Tax$214
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$170,892

Total Interest

$213,523

Total of Payments

$384,415

*Includes financed FHA Upfront MIP of $2,939

Local Market Insights

Dickinson County FHA Mortgage Overview

Dickinson County homebuyers using FHA loans benefit from a low 9.82% down payment, providing accessible entry with a 90.18% loan-to-value ratio. However, mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, making this ideal for those with sub-620 credit scores. The 1.38% effective property tax rate, coupled with a recent -1.6% inflation-adjusted tax decrease, slightly improves monthly affordability. When using an FHA mortgage tool with property taxes and MIP, these local tax savings help offset the permanent insurance cost for primary residences. This data reflects 100% owner-occupied purchases, not investments.

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.