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Marathon County FHA Loan Calculator

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

Loan Details

Marathon County, WI Benchmarks

FHA averages
Typical Property Value$269,000
Average Down Payment13.3%
Average Interest Rate6.477%
Effective Tax Rate1.35%
Median Tax Paid$3,218/yr
Tax Growth (Historical)+0.4%
Based on 231 regional loans totaling $52,025,000 (HMDA database).
$
%

$35,777 down · $233,223 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$303 / month

$

Annual premium

$

Per month

%

$99 / month

Estimated Monthly Payment

$2,048/mo

  • Principal & Interest$1,497
  • Property Tax$303
  • Home Insurance$150
  • FHA MIP$99
Amortization · Remaining Balance

Financed Loan Amount

$237,304

Total Interest

$301,546

Total of Payments

$538,850

*Includes financed FHA Upfront MIP of $4,081

Local Market Insights

Marathon County FHA Mortgage Overview

In Marathon County, the 13.32% average down payment on an FHA loan provides accessible entry for primary residence buyers, but requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan regardless of equity—ideal for those with sub-620 credit. The 86.68% loan-to-value ratio confirms this pattern. Factoring the 1.35% effective property tax rate and recent 0.4% inflation-adjusted increase, true monthly affordability is impacted. When evaluating an FHA loan with PMI and taxes in Marathon County, WI, note that the average property value of $269,000 and 6.477% interest rate combine with these tax shifts to raise carrying costs.

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.