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Douglas County FHA Loan Calculator

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

Loan Details

Douglas County, WI Benchmarks

FHA averages
Typical Property Value$256,667
Average Down Payment14.3%
Average Interest Rate6.446%
Effective Tax Rate1.13%
Median Tax Paid$2,599/yr
Tax Growth (Historical)-1.7%
Based on 114 regional loans totaling $24,570,000 (HMDA database).
$
%

$36,703 down · $219,964 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$242 / month

$

Annual premium

$

Per month

%

$93 / month

Estimated Monthly Payment

$1,892/mo

  • Principal & Interest$1,407
  • Property Tax$242
  • Home Insurance$150
  • FHA MIP$93
Amortization · Remaining Balance

Financed Loan Amount

$223,813

Total Interest

$282,815

Total of Payments

$506,628

*Includes financed FHA Upfront MIP of $3,849

Local Market Insights

Douglas County FHA Mortgage Overview

Douglas County FHA buyers are leveraging a 14.30% down payment on an average $256,667 property, requiring mandatory MIP for the loan’s life—ideal if credit is below 620. The 85.70% LTV confirms minimal equity risk, with 100% primary occupancy. Monthly taxes at 1.13% are slightly offset by a -1.7% inflation-adjusted tax shift, easing true affordability. When evaluating an FHA loan with PMI and taxes in Douglas County, WI, this data shows accessible entry despite permanent MIP. For Douglas County FHA loan limits and tax dynamics, the low tax change helps stabilize monthly costs for owner-occupants.

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.