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Jewell County FHA Loan Calculator

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

Loan Details

Jewell County, KS Benchmarks

FHA averages
Typical Property Value$125,000
Average Down Payment23.1%
Average Interest Rate6.500%
Effective Tax Rate1.21%
Median Tax Paid$1,247/yr
Tax Growth (Historical)-1.0%
Based on 3 regional loans totaling $285,000 (HMDA database).
$
%

$28,875 down · $96,125 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$126 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$935/mo

  • Principal & Interest$618
  • Property Tax$126
  • Home Insurance$150
  • FHA MIP$41
Amortization · Remaining Balance

Financed Loan Amount

$97,807

Total Interest

$124,748

Total of Payments

$222,555

*Includes financed FHA Upfront MIP of $1,682

Local Market Insights

Jewell County FHA Mortgage Overview

In Jewell County, the weighted average FHA down payment of 23.14% significantly exceeds the typical 3.5% minimum. Despite this, mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life, making this structure ideal for buyers with sub-620 credit scores. The 76.86% loan-to-value ratio indicates strong equity, yet MIP is inescapable. The 1.21% effective property tax rate, coupled with a -1.0% inflation-adjusted decline, slightly reduces monthly costs. For a $125,000 property, this tax shift improves affordability for those using an FHA loan with PMI and taxes in Jewell County, KS, while the down payment lowers principal exposure.

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.