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Logan County FHA Loan Calculator

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

Logan County, KS Benchmarks

FHA averages
Typical Property Value$161,250
Average Down Payment12.3%
Average Interest Rate6.732%
Effective Tax Rate1.69%
$
%

$19,834 down · $141,416 financed

Estimated Monthly Payment

$1,368/mo

  • Principal & Interest$931
  • Property Tax$227
  • Home Insurance$150
  • FHA MIP$60
Amortization · Remaining Balance

Financed Loan Amount

$143,891

Total Interest

$191,399

Total of Payments

$335,290

*Includes financed FHA Upfront MIP of $2,475

Local Market Insights

Logan County FHA Mortgage Overview

For Logan County homebuyers, the 12.30% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity stake. The high 87.70% Loan-to-Value (LTV) ratio confirms this is a low-down-payment market, ideal for those with sub-620 credit scores. With a 1.69% effective property tax rate and an inflation-adjusted tax decline of -11.5%, monthly affordability improves. When evaluating an FHA loan with PMI and taxes in Logan County, KS, this tax relief offsets some MIP costs. The $161,250 average property value keeps FHA loan limits accessible for primary residences—100% of buyers here are owner-occupants.

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.