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Wood County FHA Loan Calculator

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

Loan Details

Wood County, WI Benchmarks

FHA averages
Typical Property Value$216,485
Average Down Payment10.3%
Average Interest Rate6.528%
Effective Tax Rate1.36%
Median Tax Paid$2,697/yr
Tax Growth (Historical)-0.5%
Based on 202 regional loans totaling $38,800,000 (HMDA database).
$
%

$22,298 down · $194,187 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$245 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,730/mo

  • Principal & Interest$1,253
  • Property Tax$245
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$197,585

Total Interest

$253,413

Total of Payments

$450,999

*Includes financed FHA Upfront MIP of $3,398

Local Market Insights

Wood County FHA Mortgage Overview

For Wood County homebuyers, the 10.28% average down payment on an FHA loan provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity level—ideal for those with sub-620 credit. With a high 89.72% loan-to-value ratio and 100% owner-occupancy, the risk profile remains stable. The effective property tax rate of 1.36% on a $216,485 average home adds roughly $245 monthly, but the recent -0.5% inflation-adjusted tax change offers slight relief. When evaluating an FHA loan with PMI and taxes in Wood County, WI, these factors critically shape true monthly affordability.

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.