Ozaukee County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Ozaukee County, WI Benchmarks

FHA averages

Typical Property Value$407,024

Average Down Payment15.3%

Average Interest Rate6.394%

Effective Tax Rate1.17%

Median Tax Paid$4,631/yr

Tax Growth (Historical)-3.0%

Based on 84 regional loans totaling $27,800,000 (HMDA database).

Home Price

Down Payment

$62,275 down · $344,749 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

$397 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$146 / month

Estimated Monthly Payment

$2,885/mo

Principal & Interest$2,192
Property Tax$397
Home Insurance$150
FHA MIP$146

Amortization · Remaining Balance

Financed Loan Amount

$350,782

Total Interest

$438,290

Total of Payments

$789,073

*Includes financed FHA Upfront MIP of $6,033

Local Market Insights

Ozaukee County FHA Mortgage Overview

Ozaukee County's FHA market shows buyers leveraging a 15.33% down payment on a typical $407,024 home, providing accessible entry despite a 6.394% rate. However, with the median LTV at 84.67%, mandatory MIP remains for the loan's life—a key factor for those evaluating an FHA loan with PMI and taxes in Ozaukee County, WI. The 1.17% effective tax rate, coupled with a -3.0% inflation-adjusted tax decrease, slightly improves monthly affordability. This data, reflecting 100% owner-occupied purchases, highlights a stable market where the FHA loan down payment in Ozaukee County, Wisconsin, is prudent for buyers with sub-620 scores. Understanding Ozaukee County FHA loan limits and property taxes is essential for true cost assessment.

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.