Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Wisconsin>La Crosse County (FHA)

La Crosse County FHA Loan Calculator

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

Loan Details

La Crosse County, WI Benchmarks

FHA averages
Typical Property Value$284,167
Average Down Payment11.7%
Average Interest Rate6.457%
Effective Tax Rate1.46%
Median Tax Paid$3,947/yr
Tax Growth (Historical)-3.4%
Based on 108 regional loans totaling $26,490,000 (HMDA database).
$
%

$33,248 down · $250,919 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$346 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$2,209/mo

  • Principal & Interest$1,607
  • Property Tax$346
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$255,311

Total Interest

$323,219

Total of Payments

$578,529

*Includes financed FHA Upfront MIP of $4,391

Local Market Insights

La Crosse County FHA Mortgage Overview

For La Crosse County homebuyers using an FHA loan, the average 11.69% down payment and 88.31% loan-to-value ratio reflect accessible entry. However, because this is an FHA loan, the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life, regardless of the down payment—ideal for those with sub-620 credit. The 1.46% effective property tax rate, paired with a recent -3.4% inflation-adjusted tax decline, offers slight monthly relief. When evaluating an FHA mortgage with property taxes in La Crosse County, WI, note that the $284,167 average property value and 6.457% rate shape true affordability for owner-occupied homes.

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.