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Adams County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Adams County, Wisconsin 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

Adams County, WI Benchmarks

FHA averages
Typical Property Value$255,370
Average Down Payment17.6%
Average Interest Rate6.544%
Effective Tax Rate1.21%
$
%

$44,945 down · $210,425 financed

Estimated Monthly Payment

$1,856/mo

  • Principal & Interest$1,359
  • Property Tax$257
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$214,107

Total Interest

$275,111

Total of Payments

$489,219

*Includes financed FHA Upfront MIP of $3,682

Local Market Insights

Adams County FHA Mortgage Overview

For Adams County homebuyers utilizing an FHA loan, the 17.62% average down payment provides accessible entry, though it requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. The 82.38% loan-to-value ratio confirms this is a primary occupancy market, not investor-driven. With an effective tax rate of 1.21% and a recent -2.6% inflation-adjusted tax decrease, monthly affordability sees slight relief. When evaluating an Adams County FHA loan with PMI and taxes, the $255,370 average property value combined with a 6.544% interest rate means the down payment reduces principal, but MIP costs persist. Understanding Adams County FHA loan limits and property taxes is critical for accurate budgeting here.

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.