Dodge County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Dodge County, NE Benchmarks

FHA averages

Typical Property Value$232,652

Average Down Payment8.3%

Average Interest Rate6.240%

Effective Tax Rate1.32%

Median Tax Paid$2,643/yr

Tax Growth (Historical)-1.0%

Based on 132 regional loans totaling $27,520,000 (HMDA database).

Home Price

Down Payment

$19,310 down · $213,342 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$256 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$90 / month

Estimated Monthly Payment

$1,832/mo

Principal & Interest$1,335
Property Tax$256
Home Insurance$150
FHA MIP$90

Amortization · Remaining Balance

Financed Loan Amount

$217,075

Total Interest

$263,582

Total of Payments

$480,657

*Includes financed FHA Upfront MIP of $3,733

Local Market Insights

Dodge County FHA Mortgage Overview

In Dodge County, the 8.25% average down payment on an FHA loan provides accessible entry, though it mandates Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. With a 91.75% loan-to-value ratio and 100% primary occupancy, this market serves standard homebuyers. The effective property tax rate of 1.32% adds to monthly costs, but the recent -1.0% inflation-adjusted tax change offers slight relief. For those exploring FHA loan options with PMI and taxes in Dodge County, NE, understanding these MIP requirements is crucial for long-term affordability.

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.