Buffalo County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Buffalo County, WI Benchmarks

FHA averages

Typical Property Value$221,071

Average Down Payment12.9%

Average Interest Rate6.370%

Effective Tax Rate1.04%

Median Tax Paid$2,808/yr

Tax Growth (Historical)-3.1%

Based on 28 regional loans totaling $5,310,000 (HMDA database).

Home Price

Down Payment

$28,518 down · $192,553 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$192 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$82 / month

Estimated Monthly Payment

$1,645/mo

Principal & Interest$1,222
Property Tax$192
Home Insurance$150
FHA MIP$82

Amortization · Remaining Balance

Financed Loan Amount

$195,923

Total Interest

$243,875

Total of Payments

$439,798

*Includes financed FHA Upfront MIP of $3,370

Local Market Insights

Buffalo County FHA Mortgage Overview

In Buffalo County, the 12.94% average down payment on an FHA loan provides accessible entry, but the 87.06% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, even with this equity. This structure is ideal for buyers with sub-620 credit. The 1.04% effective property tax rate, combined with a recent -3.1% inflation-adjusted tax decrease, slightly improves monthly affordability. For accurate budgeting, an FHA loan calculator with PMI and taxes in Buffalo County, WI can help assess true costs. These figures reflect 100% primary residence purchases, not investments.

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.