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Lincoln County FHA Loan Calculator

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

Loan Details

Lincoln County, NV Benchmarks

FHA averages
Typical Property Value$256,333
Average Down Payment10.4%
Average Interest Rate6.573%
Effective Tax Rate0.54%
Median Tax Paid$1,126/yr
Tax Growth (Historical)-3.8%
Based on 15 regional loans totaling $3,275,000 (HMDA database).
$
%

$26,659 down · $229,674 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$115 / month

$

Annual premium

$

Per month

%

$97 / month

Estimated Monthly Payment

$1,851/mo

  • Principal & Interest$1,488
  • Property Tax$115
  • Home Insurance$150
  • FHA MIP$97
Amortization · Remaining Balance

Financed Loan Amount

$233,694

Total Interest

$301,942

Total of Payments

$535,636

*Includes financed FHA Upfront MIP of $4,019

Local Market Insights

Lincoln County FHA Mortgage Overview

For Lincoln County homebuyers leveraging an FHA loan, the 10.42% down payment on a $256,333 average property provides accessible entry. However, with an 89.58% LTV, mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of the down payment—ideal for those with sub-620 credit. The effective property tax rate of 0.54% is low, and the recent -3.8% inflation-adjusted tax change further eases monthly costs. This data, reflecting 100% owner-occupied purchases, confirms a stable market where FHA loan limits and property taxes align to support affordability despite the 6.573% rate.

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.