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Rock County FHA Loan Calculator

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

Loan Details

Rock County, NE Benchmarks

FHA averages
Typical Property Value$155,000
Average Down Payment28.0%
Average Interest Rate6.490%
Effective Tax Rate0.54%
Median Tax Paid$1,262/yr
Tax Growth (Historical)-3.1%
Based on 1 regional loans totaling $105,000 (HMDA database).
$
%

$43,400 down · $111,600 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$70 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$984/mo

  • Principal & Interest$717
  • Property Tax$70
  • Home Insurance$150
  • FHA MIP$47
Amortization · Remaining Balance

Financed Loan Amount

$113,553

Total Interest

$144,562

Total of Payments

$258,115

*Includes financed FHA Upfront MIP of $1,953

Local Market Insights

Rock County FHA Mortgage Overview

In Rock County, Nebraska, the 28.00% down payment on an FHA loan provides substantial equity, yet mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life, even with this strong entry point. The 72.00% Loan-to-Value (LTV) ratio indicates low risk for lenders, but unlike conventional loans, you cannot cancel MIP. The effective property tax rate of 0.54% is modest, and the recent -3.1% inflation-adjusted tax change further eases monthly affordability. For those seeking an FHA loan with PMI and taxes in Rock County, NE, this combination of low taxes and a large down payment makes a $155,000 property accessible, particularly for buyers with sub-620 credit scores purchasing as a primary residence.

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.