Garden County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Garden County, NE Benchmarks

FHA averages

Typical Property Value$176,111

Average Down Payment17.7%

Average Interest Rate6.301%

Effective Tax Rate0.87%

Median Tax Paid$1,113/yr

Tax Growth (Historical)-4.2%

Based on 9 regional loans totaling $1,255,000 (HMDA database).

Home Price

Down Payment

$31,172 down · $144,939 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

$128 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$61 / month

Estimated Monthly Payment

$1,252/mo

Principal & Interest$913
Property Tax$128
Home Insurance$150
FHA MIP$61

Amortization · Remaining Balance

Financed Loan Amount

$147,476

Total Interest

$181,145

Total of Payments

$328,621

*Includes financed FHA Upfront MIP of $2,536

Local Market Insights

Garden County FHA Mortgage Overview

In Garden County, the 17.66% down payment on a $176,111 FHA loan provides accessible entry, but the 82.34% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for buyers with sub-620 credit. The 0.87% property tax rate, with a 4.2% inflation-adjusted decrease, improves monthly affordability for owner-occupied homes. When evaluating an FHA loan with PMI and taxes in Garden County, NE, this tax relief offsets some MIP costs, making the FHA down payment structure viable despite permanent insurance.

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.