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Wolfe County FHA Loan Calculator

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

Loan Details

Wolfe County, KY Benchmarks

FHA averages
Typical Property Value$165,000
Average Down Payment21.3%
Average Interest Rate6.542%
Effective Tax Rate0.37%
Median Tax Paid$414/yr
Tax Growth (Historical)+2.7%
Based on 4 regional loans totaling $530,000 (HMDA database).
$
%

$35,145 down · $129,855 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$51 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,095/mo

  • Principal & Interest$839
  • Property Tax$51
  • Home Insurance$150
  • FHA MIP$55
Amortization · Remaining Balance

Financed Loan Amount

$132,127

Total Interest

$169,774

Total of Payments

$301,901

*Includes financed FHA Upfront MIP of $2,272

Local Market Insights

Wolfe County FHA Mortgage Overview

In Wolfe County, the 21.32% average down payment on FHA loans provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) remain for the loan’s life, regardless of equity. The 78.68% loan-to-value ratio confirms low risk for lenders, with 100% primary occupancy. At a 0.37% property tax rate, the recent 2.7% inflation-adjusted shift adds modest monthly cost. For those using an FHA loan calculator with PMI and taxes in Wolfe County, KY, or exploring Wolfe County FHA loan limits and tax implications, this data supports stable affordability for 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.