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Yukon-Koyukuk Census Area FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Yukon-Koyukuk Census Area, Alaska based on real HMDA transaction records.

Loan Details

Yukon-Koyukuk Census Area, AK Benchmarks

FHA averages
Typical Property Value$301,667
Average Down Payment3.0%
Average Interest Rate6.292%
Effective Tax Rate0.06%
Median Tax Paid$1,109/yr
Tax Growth (Historical)+42.1%
Based on 3 regional loans totaling $895,000 (HMDA database).
$
%

$9,050 down · $292,617 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$15 / month

$

Annual premium

$

Per month

%

$136 / month

Estimated Monthly Payment

$2,143/mo

  • Principal & Interest$1,841
  • Property Tax$15
  • Home Insurance$150
  • FHA MIP$136
Amortization · Remaining Balance

Financed Loan Amount

$297,738

Total Interest

$365,013

Total of Payments

$662,751

*Includes financed FHA Upfront MIP of $5,121

Local Market Insights

Yukon-Koyukuk Census Area FHA Mortgage Overview

In Yukon-Koyukuk Census Area, the 3.00% down payment on an FHA loan unlocks homeownership with minimal upfront cash, but mandates Mortgage Insurance Premiums (MIP) for the loan’s full term—critical for buyers with sub-620 credit. The 97.00% Loan-to-Value ratio confirms a low-equity, high-risk profile, though the 100% primary occupancy rate reflects local demand for owner-occupied housing. Property taxes remain negligible at 0.06%, yet the 42.1% inflation-adjusted tax increase signals rising long-term costs. When using an FHA mortgage tool with property taxes, this shift meaningfully impacts monthly affordability despite the low tax rate.

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.