Goshen County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Goshen County, WY Benchmarks

FHA averages

Typical Property Value$218,947

Average Down Payment13.5%

Average Interest Rate6.475%

Effective Tax Rate0.59%

Median Tax Paid$1,419/yr

Tax Growth (Historical)-1.3%

Based on 38 regional loans totaling $6,820,000 (HMDA database).

Home Price

Down Payment

$29,558 down · $189,389 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$108 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$80 / month

Estimated Monthly Payment

$1,552/mo

Principal & Interest$1,214
Property Tax$108
Home Insurance$150
FHA MIP$80

Amortization · Remaining Balance

Financed Loan Amount

$192,703

Total Interest

$244,415

Total of Payments

$437,118

*Includes financed FHA Upfront MIP of $3,314

Local Market Insights

Goshen County FHA Mortgage Overview

For Goshen County homebuyers, the 13.48% down payment on an FHA loan provides accessible entry, yet requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. With an 86.52% loan-to-value ratio on 100% owner-occupied homes, the effective 0.59% property tax rate and recent -1.3% inflation-adjusted tax shift slightly reduce monthly costs. When evaluating an FHA loan with PMI and taxes in Goshen County, WY, or considering FHA loan limits and property taxes, this low tax environment offsets the permanent MIP burden, enhancing true 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.