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Box Butte County FHA Loan Calculator

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

Loan Details

Box Butte County, NE Benchmarks

FHA averages
Typical Property Value$175,968
Average Down Payment9.7%
Average Interest Rate6.146%
Effective Tax Rate1.37%
Median Tax Paid$2,516/yr
Tax Growth (Historical)+1.8%
Based on 31 regional loans totaling $4,895,000 (HMDA database).
$
%

$17,069 down · $158,899 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$201 / month

$

Annual premium

$

Per month

%

$67 / month

Estimated Monthly Payment

$1,403/mo

  • Principal & Interest$985
  • Property Tax$201
  • Home Insurance$150
  • FHA MIP$67
Amortization · Remaining Balance

Financed Loan Amount

$161,680

Total Interest

$192,920

Total of Payments

$354,600

*Includes financed FHA Upfront MIP of $2,781

Local Market Insights

Box Butte County FHA Mortgage Overview

For Box Butte County homebuyers, the 9.65% average down payment on an FHA loan provides accessible entry, but the 90.35% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, regardless of equity. This FHA mortgage structure is ideal for those with a sub-620 credit score. With a 1.37% effective property tax rate and a recent 1.8% inflation-adjusted increase, monthly affordability is pressured. When evaluating an FHA loan down payment in Box Butte County, Nebraska, factor in both MIP and these rising property taxes to understand true costs. All data reflects 100% primary residence purchases.

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.