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Iowa County FHA Loan Calculator

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

Loan Details

Iowa County, WI Benchmarks

FHA averages
Typical Property Value$290,000
Average Down Payment10.6%
Average Interest Rate6.600%
Effective Tax Rate1.31%
Median Tax Paid$4,038/yr
Tax Growth (Historical)+1.4%
Based on 18 regional loans totaling $4,590,000 (HMDA database).
$
%

$30,740 down · $259,260 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$317 / month

$

Annual premium

$

Per month

%

$110 / month

Estimated Monthly Payment

$2,261/mo

  • Principal & Interest$1,685
  • Property Tax$317
  • Home Insurance$150
  • FHA MIP$110
Amortization · Remaining Balance

Financed Loan Amount

$263,797

Total Interest

$342,718

Total of Payments

$606,515

*Includes financed FHA Upfront MIP of $4,537

Local Market Insights

Iowa County FHA Mortgage Overview

In Iowa County, the typical FHA homebuyer puts down 10.62% on a $290,000 property, leveraging an 89.38% LTV. While this down payment eases entry, the FHA program mandates Mortgage Insurance Premiums (MIP) for the life of the loan—unlike conventional loans—making this ideal for buyers with sub-620 credit. The 1.31% effective property tax rate, with a 1.4% inflation-adjusted increase, adds roughly $317 monthly to housing costs. For those using an FHA down payment analysis with property taxes in Iowa County, WI, remember that MIP is permanent, so your true affordability hinges on this fixed tax burden. All 100% of buyers are owner-occupants, not investors.

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.