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Rusk County FHA Loan Calculator

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

Loan Details

Rusk County, WI Benchmarks

FHA averages
Typical Property Value$210,385
Average Down Payment17.2%
Average Interest Rate6.692%
Effective Tax Rate1.03%
Median Tax Paid$1,834/yr
Tax Growth (Historical)-3.0%
Based on 39 regional loans totaling $6,535,000 (HMDA database).
$
%

$36,186 down · $174,199 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$181 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,547/mo

  • Principal & Interest$1,143
  • Property Tax$181
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$177,247

Total Interest

$234,075

Total of Payments

$411,322

*Includes financed FHA Upfront MIP of $3,048

Local Market Insights

Rusk County FHA Mortgage Overview

For Rusk County homebuyers using an FHA loan, the 17.16% down payment provides accessible entry but triggers mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. The 82.84% loan-to-value ratio confirms this is typical for owner-occupied purchases. With a 1.03% effective property tax rate and a -3.0% inflation-adjusted tax decrease, monthly affordability is slightly improved. When evaluating an FHA loan with PMI and taxes in Rusk County, WI, the lower tax burden partially offsets the permanent MIP cost. Buyers analyzing FHA loan limits and tax impacts should note that the average 6.692% rate and $210,384 property value keep monthly payments manageable for primary residences.

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.