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Pepin County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Pepin County, WI Benchmarks

FHA averages
Typical Property Value$277,105
Average Down Payment16.3%
Average Interest Rate6.581%
Effective Tax Rate1.17%
$
%

$45,168 down · $231,937 financed

Estimated Monthly Payment

$2,023/mo

  • Principal & Interest$1,504
  • Property Tax$270
  • Home Insurance$150
  • FHA MIP$98
Amortization · Remaining Balance

Financed Loan Amount

$235,996

Total Interest

$305,477

Total of Payments

$541,473

*Includes financed FHA Upfront MIP of $4,059

Local Market Insights

Pepin County FHA Mortgage Overview

For Pepin County homebuyers utilizing an FHA loan, the 16.26% down payment on a $277,105 average property provides accessible entry, but the 83.74% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of equity. This structure is ideal for those with sub-620 credit scores seeking primary residences. The 1.17% effective property tax rate, recently adjusted down by -1.4% for inflation, offers a slight monthly affordability boost. When evaluating a Pepin County FHA loan with PMI and taxes, this tax relief partially offsets the permanent MIP cost, making monthly budgeting more predictable for owner-occupants.

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.