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Johnson County FHA Loan Calculator

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

Loan Details

Johnson County, NE Benchmarks

FHA averages
Typical Property Value$190,000
Average Down Payment8.0%
Average Interest Rate6.608%
Effective Tax Rate0.78%
Median Tax Paid$2,052/yr
Tax Growth (Historical)-0.1%
Based on 10 regional loans totaling $1,710,000 (HMDA database).
$
%

$15,200 down · $174,800 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$124 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,485/mo

  • Principal & Interest$1,137
  • Property Tax$124
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$177,859

Total Interest

$231,492

Total of Payments

$409,351

*Includes financed FHA Upfront MIP of $3,059

Local Market Insights

Johnson County FHA Mortgage Overview

For Johnson County homebuyers using an FHA loan, the 8.00% down payment on a $190,000 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan due to the 92.00% loan-to-value ratio. This is ideal for those with sub-620 credit seeking primary residences. The 0.78% effective property tax rate, with a recent -0.1% inflation-adjusted change, slightly reduces monthly carrying costs. When evaluating an FHA loan with PMI and taxes in Johnson County, NE, or reviewing Johnson County FHA loan limits, remember that MIP is permanent regardless of down payment size.

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.