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Ashland County FHA Loan Calculator

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

Loan Details

Ashland County, WI Benchmarks

FHA averages
Typical Property Value$198,636
Average Down Payment14.5%
Average Interest Rate6.538%
Effective Tax Rate1.30%
Median Tax Paid$2,413/yr
Tax Growth (Historical)-0.6%
Based on 33 regional loans totaling $5,565,000 (HMDA database).
$
%

$28,802 down · $169,834 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$215 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,534/mo

  • Principal & Interest$1,097
  • Property Tax$215
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$172,806

Total Interest

$222,042

Total of Payments

$394,848

*Includes financed FHA Upfront MIP of $2,972

Local Market Insights

Ashland County FHA Mortgage Overview

In Ashland County, the typical FHA borrower puts down 14.54%, which is higher than the FHA minimum, yet still provides accessible entry. With an 85.46% loan-to-value ratio, this down payment reduces the loan principal but does not eliminate mandatory Mortgage Insurance Premiums (MIP), which are required for the entire loan term—a key factor when using an FHA loan with PMI and taxes in Ashland County, WI. The 1.30% effective property tax rate, combined with a -0.6% inflation-adjusted decrease, offers slight monthly relief. Given 100% primary occupancy, this data reflects standard homebuyers, not investors. The average property value of $198,636 and a 6.538% interest rate mean understanding Ashland County FHA loan limits and tax impacts is critical for true affordability.

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.