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Autauga County FHA Loan Calculator

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

Loan Details

Autauga County, AL Benchmarks

FHA averages
Typical Property Value$262,716
Average Down Payment9.7%
Average Interest Rate6.267%
Effective Tax Rate0.28%
Median Tax Paid$627/yr
Tax Growth (Historical)+7.8%
Based on 324 regional loans totaling $75,530,000 (HMDA database).
$
%

$25,483 down · $237,233 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$61 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$1,801/mo

  • Principal & Interest$1,489
  • Property Tax$61
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$241,384

Total Interest

$294,794

Total of Payments

$536,179

*Includes financed FHA Upfront MIP of $4,152

Local Market Insights

Autauga County FHA Mortgage Overview

In Autauga County, the 9.71% average down payment on FHA loans provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the loan’s life regardless of this down payment. With a 90.29% loan-to-value ratio, this market favors buyers with sub-620 credit scores. The effective property tax rate of 0.28% is low, yet the 7.8% inflation-adjusted tax increase will modestly raise monthly costs. All data reflects owner-occupied purchases, not investments.

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.