Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Alabama>Conecuh County (FHA)

Conecuh County FHA Loan Calculator

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

Loan Details

Conecuh County, AL Benchmarks

FHA averages
Typical Property Value$194,333
Average Down Payment11.2%
Average Interest Rate6.527%
Effective Tax Rate0.25%
Median Tax Paid$331/yr
Tax Growth (Historical)-2.1%
Based on 30 regional loans totaling $4,980,000 (HMDA database).
$
%

$21,765 down · $172,568 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$40 / month

$

Annual premium

$

Per month

%

$73 / month

Estimated Monthly Payment

$1,377/mo

  • Principal & Interest$1,113
  • Property Tax$40
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$175,588

Total Interest

$225,200

Total of Payments

$400,788

*Includes financed FHA Upfront MIP of $3,020

Local Market Insights

Conecuh County FHA Mortgage Overview

For Conecuh County homebuyers, the 11.20% average down payment on an FHA loan offers accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With an 88.80% LTV ratio and 100% owner-occupancy, this data reflects standard buyers, not investors. The 0.25% effective property tax rate is exceptionally low, and the -2.1% inflation-adjusted tax shift further reduces monthly burdens. When examining an FHA loan with PMI and taxes in Conecuh County, AL, the low tax rate partially offsets MIP costs. For those seeking Conecuh County FHA loan limits and tax insights, the average property value of $194,333 and 6.527% rate highlight stable affordability.

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.