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Stafford County FHA Loan Calculator

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

Loan Details

Stafford County, KS Benchmarks

FHA averages
Typical Property Value$151,000
Average Down Payment15.8%
Average Interest Rate6.650%
Effective Tax Rate1.26%
Median Tax Paid$1,550/yr
Tax Growth (Historical)-0.1%
Based on 10 regional loans totaling $1,080,000 (HMDA database).
$
%

$23,858 down · $127,142 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$159 / month

$

Annual premium

$

Per month

%

$54 / month

Estimated Monthly Payment

$1,193/mo

  • Principal & Interest$830
  • Property Tax$159
  • Home Insurance$150
  • FHA MIP$54
Amortization · Remaining Balance

Financed Loan Amount

$129,367

Total Interest

$169,610

Total of Payments

$298,977

*Includes financed FHA Upfront MIP of $2,225

Local Market Insights

Stafford County FHA Mortgage Overview

Stafford County’s FHA market shows a 15.79% down payment on a $151,000 home, offering accessible entry despite mandatory MIP for the loan’s life. The 84.21% LTV and 100% owner-occupancy confirm this is a primary-residence market for buyers, often with sub-620 credit scores. A 1.26% property tax rate, with a -0.1% inflation-adjusted shift, slightly eases monthly costs. For an FHA loan with PMI and taxes in Stafford County, KS, this data highlights stable affordability. Use a Stafford County FHA down payment analysis to factor in MIP, while the tax change supports long-term budgeting for FHA mortgage limits.

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.