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Sarpy County FHA Loan Calculator

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

Loan Details

Sarpy County, NE Benchmarks

FHA averages
Typical Property Value$329,785
Average Down Payment8.7%
Average Interest Rate6.170%
Effective Tax Rate1.72%
Median Tax Paid$5,473/yr
Tax Growth (Historical)+2.9%
Based on 699 regional loans totaling $207,815,000 (HMDA database).
$
%

$28,691 down · $301,094 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$473 / month

$

Annual premium

$

Per month

%

$128 / month

Estimated Monthly Payment

$2,621/mo

  • Principal & Interest$1,870
  • Property Tax$473
  • Home Insurance$150
  • FHA MIP$128
Amortization · Remaining Balance

Financed Loan Amount

$306,363

Total Interest

$366,987

Total of Payments

$673,350

*Includes financed FHA Upfront MIP of $5,269

Local Market Insights

Sarpy County FHA Mortgage Overview

In Sarpy County, the 8.69% weighted average down payment and 91.31% LTV ratio for FHA loans highlight accessible entry for owner-occupants, though mandatory MIP applies for the loan’s life, ideal for buyers with sub-620 credit. The 6.17% average rate and $329,785 property value mean a typical FHA loan down payment in Sarpy County, Nebraska, requires roughly $28,600 upfront. The 1.72% effective property tax rate, with a 2.9% inflation-adjusted increase, adds roughly $473 monthly to true affordability, factoring into any FHA mortgage with property taxes analysis. This data reflects standard homebuyers, not investors, reinforcing FHA’s role for first-time buyers here.

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.