Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Kansas>Stevens County (FHA)

Stevens County FHA Loan Calculator

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

Loan Details

Stevens County, KS Benchmarks

FHA averages
Typical Property Value$192,500
Average Down Payment11.4%
Average Interest Rate6.215%
Effective Tax Rate1.78%
Median Tax Paid$2,433/yr
Tax Growth (Historical)+5.4%
Based on 16 regional loans totaling $2,660,000 (HMDA database).
$
%

$21,945 down · $170,555 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$286 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,572/mo

  • Principal & Interest$1,064
  • Property Tax$286
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$173,540

Total Interest

$209,501

Total of Payments

$383,041

*Includes financed FHA Upfront MIP of $2,985

Local Market Insights

Stevens County FHA Mortgage Overview

In Stevens County, the 11.45% average down payment for FHA loans provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are mandatory for the full loan term, regardless of equity. The 88.55% loan-to-value (LTV) ratio confirms this typical low-down-payment profile, ideal for buyers with sub-620 credit. With a 1.78% effective property tax rate and a 5.4% inflation-adjusted tax increase, monthly affordability is directly impacted. When evaluating an FHA loan with PMI and taxes in Stevens County, KS, these local property tax shifts significantly influence true monthly costs. All data reflects standard owner-occupied purchases, 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.