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Kiowa County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Kiowa 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

Kiowa County, KS Benchmarks

FHA averages
Typical Property Value$78,333
Average Down Payment-4.7%
Average Interest Rate7.125%
Effective Tax Rate1.21%
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$830/mo

  • Principal & Interest$562
  • Property Tax$79
  • Home Insurance$150
  • FHA MIP$38
Amortization · Remaining Balance

Financed Loan Amount

$83,450

Total Interest

$119,050

Total of Payments

$202,500

*Includes financed FHA Upfront MIP of $1,435

Local Market Insights

Kiowa County FHA Mortgage Overview

In Kiowa County, FHA buyers leverage a -4.69% down payment (financing 104.69% LTV), making entry accessible but requiring lifetime Mortgage Insurance Premiums (MIP). This is ideal for buyers with sub-620 credit. The 1.21% effective property tax rate, coupled with a -5.5% inflation-adjusted tax decrease, slightly improves true monthly affordability. When evaluating an FHA loan with PMI and taxes in Kiowa County, KS, note that property taxes are a stable, lower cost. For those using an FHA down payment approach, the 7.125% rate means MIP remains mandatory for the loan's life, regardless of equity. This data reflects 100% primary residences, 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.