Shawnee County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Shawnee County, KS Benchmarks

FHA averages

Typical Property Value$219,317

Average Down Payment9.7%

Average Interest Rate6.429%

Effective Tax Rate1.34%

Median Tax Paid$2,705/yr

Tax Growth (Historical)+5.0%

Based on 586 regional loans totaling $114,300,000 (HMDA database).

Home Price

Down Payment

$21,274 down · $198,043 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$245 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$84 / month

Estimated Monthly Payment

$1,743/mo

Principal & Interest$1,264
Property Tax$245
Home Insurance$150
FHA MIP$84

Amortization · Remaining Balance

Financed Loan Amount

$201,509

Total Interest

$253,679

Total of Payments

$455,188

*Includes financed FHA Upfront MIP of $3,466

Local Market Insights

Shawnee County FHA Mortgage Overview

Shawnee County’s FHA market reveals an accessible entry point, with a 9.67% down payment on an average $219,317 property. This low barrier, paired with a 90.33% LTV, suits buyers with sub-620 credit, but note that FHA MIP is required for the loan’s life. The 1.34% effective property tax rate, adjusted 5.0% for inflation, increases monthly costs—critical when using a Shawnee County FHA mortgage tool with property taxes. Given 100% primary occupancy, this data reflects owner-occupants, not investors. For precise budgeting, consult a local lender to model FHA loan payments with PMI and taxes.

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.