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Sweetwater County FHA Loan Calculator

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

Loan Details

Sweetwater County, WY Benchmarks

FHA averages
Typical Property Value$315,538
Average Down Payment8.8%
Average Interest Rate6.086%
Effective Tax Rate0.63%
Median Tax Paid$1,542/yr
Tax Growth (Historical)+1.8%
Based on 260 regional loans totaling $74,250,000 (HMDA database).
$
%

$27,767 down · $287,771 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$166 / month

$

Annual premium

$

Per month

%

$122 / month

Estimated Monthly Payment

$2,210/mo

  • Principal & Interest$1,773
  • Property Tax$166
  • Home Insurance$150
  • FHA MIP$122
Amortization · Remaining Balance

Financed Loan Amount

$292,807

Total Interest

$345,294

Total of Payments

$638,101

*Includes financed FHA Upfront MIP of $5,036

Local Market Insights

Sweetwater County FHA Mortgage Overview

In Sweetwater County, the 8.85% down payment on FHA loans offers accessible entry for primary residence buyers, but the 91.15% LTV means mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—ideal for borrowers with sub-620 credit. The 0.63% effective property tax rate, with a 1.8% inflation-adjusted increase, modestly impacts monthly affordability. When using an FHA loan down payment tool for Sweetwater County, Wyoming, understand that MIP and taxes are fixed costs. The recent tax shift slightly raises true monthly housing expense, yet the low rate keeps local ownership attainable.

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.