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

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

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

Ziebach County, SD Benchmarks

FHA averages

Typical Property Value$345,000

Average Down Payment2.6%

Average Interest Rate6.625%

Effective Tax Rate0.62%

Home Price

Down Payment

FHA loans require a minimum 3.5% down payment.

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.