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Campbell County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Campbell County, SD Benchmarks

FHA averages
Typical Property Value$192,500
Average Down Payment7.7%
Average Interest Rate6.375%
Effective Tax Rate1.03%
$
%

$14,823 down · $177,678 financed

Estimated Monthly Payment

$1,519/mo

  • Principal & Interest$1,128
  • Property Tax$165
  • Home Insurance$150
  • FHA MIP$75
Amortization · Remaining Balance

Financed Loan Amount

$180,787

Total Interest

$225,461

Total of Payments

$406,248

*Includes financed FHA Upfront MIP of $3,109

Local Market Insights

Campbell County FHA Mortgage Overview

For Campbell County homebuyers, the 7.66% down payment on an FHA loan provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) remains for the loan's life due to the 92.34% Loan-to-Value ratio. This is ideal for those with sub-620 credit scores purchasing a primary residence. When evaluating the FHA loan down payment in Campbell County, SD, the 1.03% effective property tax rate, coupled with a 4.8% inflation-adjusted increase, directly impacts monthly affordability. A Campbell County FHA mortgage analysis with property taxes must account for this tax shift, which raises true housing costs. For current FHA loan limits and tax impacts, understanding these fixed MIP and rising tax obligations is critical for long-term 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.