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Kimball County FHA Loan Calculator

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

Loan Details

Kimball County, NE Benchmarks

FHA averages
Typical Property Value$197,353
Average Down Payment14.7%
Average Interest Rate6.237%
Effective Tax Rate1.28%
Median Tax Paid$1,828/yr
Tax Growth (Historical)-6.9%
Based on 17 regional loans totaling $2,765,000 (HMDA database).
$
%

$29,011 down · $168,342 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$211 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,485/mo

  • Principal & Interest$1,054
  • Property Tax$211
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$171,288

Total Interest

$207,985

Total of Payments

$379,273

*Includes financed FHA Upfront MIP of $2,946

Local Market Insights

Kimball County FHA Mortgage Overview

For Kimball County homebuyers using an FHA loan, the 14.66% weighted average down payment provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life regardless of equity. With a median loan-to-value ratio of 85.34%, this market favors buyers with sub-620 credit scores. The effective property tax rate of 1.28% is offset by a -6.9% inflation-adjusted tax change, improving true monthly affordability for FHA loan with PMI and taxes in Kimball County, NE. All data reflects 100% primary occupancy, not investment properties.

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.