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Rock County FHA Loan Calculator

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

Loan Details

Rock County, WI Benchmarks

FHA averages
Typical Property Value$259,549
Average Down Payment12.4%
Average Interest Rate6.455%
Effective Tax Rate1.49%
Median Tax Paid$3,703/yr
Tax Growth (Historical)-1.6%
Based on 467 regional loans totaling $103,015,000 (HMDA database).
$
%

$32,184 down · $227,365 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$322 / month

$

Annual premium

$

Per month

%

$96 / month

Estimated Monthly Payment

$2,025/mo

  • Principal & Interest$1,456
  • Property Tax$322
  • Home Insurance$150
  • FHA MIP$96
Amortization · Remaining Balance

Financed Loan Amount

$231,344

Total Interest

$292,877

Total of Payments

$524,221

*Includes financed FHA Upfront MIP of $3,979

Local Market Insights

Rock County FHA Mortgage Overview

Rock County homebuyers using FHA loans are entering the market with a 12.38% down payment on a $259,549 average property. This low barrier to entry comes with a key trade-off: mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of the 87.62% loan-to-value ratio. This structure is ideal for those with sub-620 credit scores seeking primary residence financing. The effective property tax rate of 1.49% adds roughly $322 per month to your housing cost. However, the recent -1.6% inflation-adjusted tax shift offers slight relief, improving true monthly affordability for FHA borrowers in Rock County.

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.