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Sublette County FHA Loan Calculator

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

Loan Details

Sublette County, WY Benchmarks

FHA averages
Typical Property Value$370,455
Average Down Payment13.5%
Average Interest Rate6.029%
Effective Tax Rate0.38%
Median Tax Paid$1,665/yr
Tax Growth (Historical)+12.6%
Based on 44 regional loans totaling $13,410,000 (HMDA database).
$
%

$50,011 down · $320,444 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$117 / month

$

Annual premium

$

Per month

%

$136 / month

Estimated Monthly Payment

$2,364/mo

  • Principal & Interest$1,961
  • Property Tax$117
  • Home Insurance$150
  • FHA MIP$136
Amortization · Remaining Balance

Financed Loan Amount

$326,051

Total Interest

$379,958

Total of Payments

$706,009

*Includes financed FHA Upfront MIP of $5,608

Local Market Insights

Sublette County FHA Mortgage Overview

Sublette County’s FHA market reveals a strategic entry point for owner-occupants. The 13.51% down payment and 86.49% LTV ratio indicate accessible financing, though mandatory MIP applies for the loan’s life—ideal for buyers with sub-620 credit. With an average interest rate of 6.029%, the effective 0.38% property tax rate is low, but the 12.6% inflation-adjusted tax shift increases true monthly costs. When evaluating an FHA loan with PMI and taxes in Sublette County, WY, or reviewing FHA loan limits and property taxes, this data confirms a primary-residence market where down payment flexibility offsets long-term MIP.

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.