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Adams County FHA Loan Calculator

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

Loan Details

Adams County, NE Benchmarks

FHA averages
Typical Property Value$232,333
Average Down Payment8.0%
Average Interest Rate6.324%
Effective Tax Rate1.37%
Median Tax Paid$2,793/yr
Tax Growth (Historical)+1.5%
Based on 105 regional loans totaling $21,765,000 (HMDA database).
$
%

$18,587 down · $213,746 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$265 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,855/mo

  • Principal & Interest$1,349
  • Property Tax$265
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$217,487

Total Interest

$268,161

Total of Payments

$485,648

*Includes financed FHA Upfront MIP of $3,741

Local Market Insights

Adams County FHA Mortgage Overview

For Adams County homebuyers, the 7.97% FHA down payment provides accessible entry, but the 92.03% LTV means mandatory MIP for the loan’s life, ideal for those with sub-620 credit. The 1.37% property tax rate, with a 1.5% inflation-adjusted increase, directly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Adams County, NE, or using an FHA down payment tool in Adams County, Nebraska, remember the weighted average interest rate of 6.324% and property value of $232,333. All data reflects 100% primary residency, 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.