Coconino County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Coconino County, AZ Benchmarks

FHA averages

Typical Property Value$440,088

Average Down Payment11.9%

Average Interest Rate6.189%

Effective Tax Rate0.39%

Median Tax Paid$2,051/yr

Tax Growth (Historical)-0.9%

Based on 285 regional loans totaling $106,175,000 (HMDA database).

Home Price

Down Payment

$52,370 down · $387,718 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$143 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$164 / month

Estimated Monthly Payment

$2,871/mo

Principal & Interest$2,414
Property Tax$143
Home Insurance$150
FHA MIP$164

Amortization · Remaining Balance

Financed Loan Amount

$394,503

Total Interest

$474,410

Total of Payments

$868,913

*Includes financed FHA Upfront MIP of $6,785

Local Market Insights

Coconino County FHA Mortgage Overview

In Coconino County, the average FHA buyer puts 11.92% down on a $440,088 property, which provides accessible entry but triggers mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. With a high 88.08% loan-to-value ratio, this MIP is unavoidable, unlike conventional loans where 20% equity cancels PMI. The 0.39% effective property tax rate and recent -0.9% inflation-adjusted shift slightly reduce monthly costs, improving true affordability for owner-occupied homes. When evaluating an FHA loan down payment with PMI and taxes in Coconino County, AZ, or reviewing Coconino County FHA loan limits and tax impacts, this data confirms a stable, primary-residence market.

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.