Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Kansas>Osborne County (FHA)

Osborne County FHA Loan Calculator

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

Loan Details

Osborne County, KS Benchmarks

FHA averages
Typical Property Value$123,889
Average Down Payment11.2%
Average Interest Rate6.124%
Effective Tax Rate1.34%
Median Tax Paid$1,465/yr
Tax Growth (Historical)+4.1%
Based on 9 regional loans totaling $965,000 (HMDA database).
$
%

$13,876 down · $110,013 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$138 / month

$

Annual premium

$

Per month

%

$47 / month

Estimated Monthly Payment

$1,015/mo

  • Principal & Interest$680
  • Property Tax$138
  • Home Insurance$150
  • FHA MIP$47
Amortization · Remaining Balance

Financed Loan Amount

$111,939

Total Interest

$132,785

Total of Payments

$244,724

*Includes financed FHA Upfront MIP of $1,925

Local Market Insights

Osborne County FHA Mortgage Overview

For Osborne County homebuyers, the 11.20% average down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. With an 88.80% loan-to-value ratio, this market suits those with sub-620 credit scores seeking primary residences. The effective property tax rate of 1.34% and a 4.1% inflation-adjusted increase mean monthly affordability hinges on factoring in these rising taxes alongside PMI. When evaluating an FHA loan with PMI and taxes in Osborne County, KS, or checking Osborne County FHA loan limits and tax implications, understand that this structure prioritizes low upfront cost over long-term MIP avoidance.

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.