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Walworth County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Walworth 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

Walworth County, WI Benchmarks

FHA averages
Typical Property Value$352,560
Average Down Payment16.6%
Average Interest Rate6.419%
Effective Tax Rate1.17%
$
%

$58,525 down · $294,035 financed

Estimated Monthly Payment

$2,494/mo

  • Principal & Interest$1,875
  • Property Tax$344
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$299,181

Total Interest

$375,932

Total of Payments

$675,112

*Includes financed FHA Upfront MIP of $5,146

Local Market Insights

Walworth County FHA Mortgage Overview

Walworth County FHA buyers place a 16.61% down payment on a $352,560 average property, providing accessible entry but triggering mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal if your credit is below 620. The 83.39% loan-to-value ratio confirms this is standard owner-occupied financing, not investment. With a 1.17% effective tax rate and a -1.2% inflation-adjusted tax decline, monthly affordability improves slightly. When evaluating an FHA loan with PMI and taxes in Walworth County, WI, remember that MIP never drops, so the lower tax burden helps offset that fixed cost.

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.