Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Wyoming>Niobrara County (FHA)

Niobrara County FHA Loan Calculator

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

Loan Details

Niobrara County, WY Benchmarks

FHA averages
Typical Property Value$149,444
Average Down Payment14.0%
Average Interest Rate6.211%
Effective Tax Rate0.26%
Median Tax Paid$1,072/yr
Tax Growth (Historical)+42.3%
Based on 9 regional loans totaling $1,055,000 (HMDA database).
$
%

$20,922 down · $128,522 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$32 / month

$

Annual premium

$

Per month

%

$54 / month

Estimated Monthly Payment

$1,039/mo

  • Principal & Interest$802
  • Property Tax$32
  • Home Insurance$150
  • FHA MIP$54
Amortization · Remaining Balance

Financed Loan Amount

$130,771

Total Interest

$157,870

Total of Payments

$288,641

*Includes financed FHA Upfront MIP of $2,249

Local Market Insights

Niobrara County FHA Mortgage Overview

In Niobrara County, the typical FHA buyer puts down 14.02%, which is above the minimum but still requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan due to the 85.98% LTV. This structure is ideal for buyers with sub-620 credit scores seeking an accessible entry. The effective property tax rate is a low 0.26%, but the recent 42.3% inflation-adjusted tax shift will notably increase monthly costs. For those using an FHA loan down payment approach with PMI and taxes in Niobrara County, WY, understanding how these property taxes interact with FHA loan limits is crucial for true affordability. All data reflects owner-occupied purchases.

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.