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Ziebach County FHA Loan Calculator

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

Loan Details

Ziebach County, SD Benchmarks

FHA averages
Typical Property Value$345,000
Average Down Payment2.6%
Average Interest Rate6.625%
Effective Tax Rate0.62%
Median Tax Paid$613/yr
Tax Growth (Historical)-0.1%
Based on 1 regional loans totaling $335,000 (HMDA database).
$
%

$8,970 down · $336,030 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$178 / month

$

Annual premium

$

Per month

%

$157 / month

Estimated Monthly Payment

$2,675/mo

  • Principal & Interest$2,190
  • Property Tax$178
  • Home Insurance$150
  • FHA MIP$157
Amortization · Remaining Balance

Financed Loan Amount

$341,911

Total Interest

$446,641

Total of Payments

$788,552

*Includes financed FHA Upfront MIP of $5,881

Local Market Insights

Ziebach County FHA Mortgage Overview

In Ziebach County, the 2.57% average down payment highlights FHA’s role as a low-barrier entry point. With a 97.43% Loan-to-Value (LTV) ratio, buyers using an FHA loan must budget for mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, ideal for those with sub-620 credit scores. The effective 0.62% property tax rate and recent -0.1% inflation-adjusted tax change offer stable affordability. For precise budgeting of an FHA loan with PMI and taxes in Ziebach County, SD, these figures confirm that 100% owner-occupied purchases are the norm.

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.