Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Oklahoma>Kiowa County (FHA)

Kiowa County FHA Loan Calculator

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

Loan Details

Kiowa County, OK Benchmarks

FHA averages
Typical Property Value$148,125
Average Down Payment11.4%
Average Interest Rate6.454%
Effective Tax Rate0.61%
Median Tax Paid$560/yr
Tax Growth (Historical)+5.1%
Based on 32 regional loans totaling $3,920,000 (HMDA database).
$
%

$16,886 down · $131,239 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$75 / month

$

Annual premium

$

Per month

%

$56 / month

Estimated Monthly Payment

$1,121/mo

  • Principal & Interest$840
  • Property Tax$75
  • Home Insurance$150
  • FHA MIP$56
Amortization · Remaining Balance

Financed Loan Amount

$133,535

Total Interest

$168,738

Total of Payments

$302,273

*Includes financed FHA Upfront MIP of $2,297

Local Market Insights

Kiowa County FHA Mortgage Overview

Kiowa County’s FHA market reveals an accessible entry point for owner-occupants, with an 11.36% down payment and an 88.64% LTV. This lower barrier is ideal for buyers with sub-620 credit, though mandatory MIP applies for the loan’s life. The 0.61% effective property tax rate is modest, but a 5.1% inflation-adjusted increase will raise true monthly costs when using an FHA loan calculator with PMI and taxes in Kiowa County, OK. At a 6.454% average rate and $148,125 property value, the Kiowa County FHA mortgage calculator with property taxes should account for this tax shift to ensure accurate budgeting.

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.