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St. Croix County FHA Loan Calculator

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

Loan Details

St. Croix County, WI Benchmarks

FHA averages
Typical Property Value$375,050
Average Down Payment12.9%
Average Interest Rate6.306%
Effective Tax Rate1.10%
Median Tax Paid$4,420/yr
Tax Growth (Historical)-0.2%
Based on 201 regional loans totaling $64,725,000 (HMDA database).
$
%

$48,381 down · $326,669 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$344 / month

$

Annual premium

$

Per month

%

$138 / month

Estimated Monthly Payment

$2,692/mo

  • Principal & Interest$2,060
  • Property Tax$344
  • Home Insurance$150
  • FHA MIP$138
Amortization · Remaining Balance

Financed Loan Amount

$332,385

Total Interest

$409,050

Total of Payments

$741,435

*Includes financed FHA Upfront MIP of $5,717

Local Market Insights

St. Croix County FHA Mortgage Overview

For St. Croix County FHA buyers, the 12.94% down payment on a $375,050 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity level. With an 87.06% loan-to-value ratio and 100% primary occupancy, this market favors owner-occupants. The effective 1.10% property tax rate, adjusted down -0.2% for inflation, slightly eases monthly costs. When evaluating an FHA loan with PMI and taxes in St. Croix County, WI, note that interest rates average 6.306%, making total affordability sensitive to these fixed MIP charges.

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.