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Hitchcock County FHA Loan Calculator

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

Loan Details

Hitchcock County, NE Benchmarks

FHA averages
Typical Property Value$127,222
Average Down Payment13.7%
Average Interest Rate6.125%
Effective Tax Rate1.11%
Median Tax Paid$1,130/yr
Tax Growth (Historical)-0.8%
Based on 9 regional loans totaling $955,000 (HMDA database).
$
%

$17,429 down · $109,793 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$118 / month

$

Annual premium

$

Per month

%

$47 / month

Estimated Monthly Payment

$993/mo

  • Principal & Interest$679
  • Property Tax$118
  • Home Insurance$150
  • FHA MIP$47
Amortization · Remaining Balance

Financed Loan Amount

$111,714

Total Interest

$132,779

Total of Payments

$244,493

*Includes financed FHA Upfront MIP of $1,921

Local Market Insights

Hitchcock County FHA Mortgage Overview

For Hitchcock County homebuyers, the 13.70% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of this down payment. With an 86.30% loan-to-value ratio and 100% primary occupancy, this data reflects owner-occupied purchases. The effective property tax rate of 1.11% on a $127,222 property, combined with a -0.8% inflation-adjusted tax decrease, slightly lowers true monthly affordability. When considering an FHA loan with PMI and taxes in Hitchcock County, NE, or evaluating FHA down payment trends in Hitchcock County, Nebraska, the low tax burden helps offset the permanent MIP cost.

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.