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Sioux County FHA Loan Calculator

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

Loan Details

Sioux County, NE Benchmarks

FHA averages
Typical Property Value$235,000
Average Down Payment3.5%
Average Interest Rate6.625%
Effective Tax Rate0.78%
Median Tax Paid$1,614/yr
Tax Growth (Historical)-9.0%
Based on 1 regional loans totaling $225,000 (HMDA database).
$
%

$8,225 down · $226,775 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$153 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$1,887/mo

  • Principal & Interest$1,478
  • Property Tax$153
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$230,744

Total Interest

$301,423

Total of Payments

$532,166

*Includes financed FHA Upfront MIP of $3,969

Local Market Insights

Sioux County FHA Mortgage Overview

For Sioux County homebuyers, the FHA loan’s 3.50% down payment provides accessible entry on a $235,000 property, but the 96.50% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for those with sub-620 credit. The effective property tax rate of 0.78% is manageable, and the recent -9.0% inflation-adjusted tax shift further reduces monthly carrying costs. When evaluating an FHA loan down payment in Sioux County, Nebraska, remember that MIP is permanent, making long-term affordability dependent on the low tax burden. This data reflects 100% owner-occupied purchases, not investor activity.

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.