Finance Tools
Rural Land Loan Payment Calculator
Calculate monthly payments for a rural land loan using loan amount, interest rate, and term. Includes total interest, total paid, and quick affordability signals.
Rural Land Loan Payment Calculator
Estimate rural land loan payments (principal + interest). Includes total interest, total paid, and an optional payment-burden check.
Usually purchase price minus down payment.
Enter the lender’s annual rate.
Many rural land loans fall in the 15–30 year range.
Used only to show payment burden (%). Put a conservative number.
Estimated monthly payment
$1,933
Total interest (over term)
$279,871
Total paid
$579,871
Payment burden (payment ÷ cash flow)
32.22%
How it works
- Uses a standard amortization formula for fixed monthly payments.
- Monthly payment covers principal + interest only (no taxes/insurance).
- Payment burden is optional: payment ÷ estimated monthly cash flow.
FAQ
Does this include property taxes or insurance?
No—those vary by county and policy. This is principal + interest only.
Why do rural land loans sometimes cost more?
Unimproved land can be treated as higher risk, so rates/terms may differ from home mortgages.
How to use this rural land loan payment calculator
- Enter your loan amount (or purchase price minus down payment).
- Enter the interest rate (APR) and loan term.
- Review monthly payment, total interest, and total paid.
- Optionally, enter estimated monthly cash flow to see payment burden.
Example
Example rural land loan payment:
- Loan amount: $300,000
- APR: 6.00%
- Term: 25 years
- Estimated monthly payment: about $1,930 (principal + interest)
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