Ellsworth County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

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

Ellsworth County, KS Benchmarks

FHA averages

Typical Property Value$181,250

Average Down Payment17.6%

Average Interest Rate6.917%

Effective Tax Rate1.46%

Home Price

Down Payment

$31,900 down · $149,350 financed

Estimated Monthly Payment

$1,437/mo

Principal & Interest$1,003
Property Tax$221
Home Insurance$150
FHA MIP$63

Amortization · Remaining Balance

Financed Loan Amount

$151,964

Total Interest

$209,068

Total of Payments

$361,032

*Includes financed FHA Upfront MIP of $2,614

Local Market Insights

Ellsworth County FHA Mortgage Overview

In Ellsworth County, the 17.65% down payment on an FHA loan provides accessible entry, but this loan type mandates Mortgage Insurance Premiums (MIP) for the entire loan term, regardless of equity. The 82.35% Loan-to-Value ratio confirms this is standard for primary residences. While the effective property tax rate of 1.46% is moderate, the recent -7.0% inflation-adjusted tax change offers slight monthly relief. Buyers using an FHA loan calculator with PMI and taxes in Ellsworth County, KS must account for this permanent MIP cost. The average interest rate of 6.917% means monthly affordability is heavily influenced by these fixed tax and insurance obligations.

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.