Oneida County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Oneida County, WI Benchmarks

FHA averages

Typical Property Value$274,375

Average Down Payment17.2%

Average Interest Rate6.360%

Effective Tax Rate0.84%

Median Tax Paid$2,123/yr

Tax Growth (Historical)-4.0%

Based on 64 regional loans totaling $13,910,000 (HMDA database).

Home Price

Down Payment

$47,193 down · $227,183 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

$96 / month

Estimated Monthly Payment

$1,878/mo

Principal & Interest$1,440
Property Tax$192
Home Insurance$150
FHA MIP$96

Amortization · Remaining Balance

Financed Loan Amount

$231,158

Total Interest

$287,191

Total of Payments

$518,349

*Includes financed FHA Upfront MIP of $3,976

Local Market Insights

Oneida County FHA Mortgage Overview

For Oneida County homebuyers, the weighted average 17.18% down payment on an FHA loan provides accessible entry, but note that MIP is required for the life of the loan regardless of this equity level, making it ideal for buyers with sub-620 credit. The 82.82% LTV ratio confirms owner-occupied purchases. With a 0.84% effective property tax rate and a recent -4.0% inflation-adjusted decrease, monthly affordability is slightly improved. When evaluating an FHA loan with PMI and taxes in Oneida County, WI, these factors directly influence your true monthly payment.

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.