Graham County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Graham County, AZ Benchmarks

FHA averages

Typical Property Value$303,609

Average Down Payment8.9%

Average Interest Rate6.358%

Effective Tax Rate0.47%

Median Tax Paid$1,013/yr

Tax Growth (Historical)-10.2%

Based on 306 regional loans totaling $82,000,000 (HMDA database).

Home Price

Down Payment

$27,021 down · $276,588 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

$119 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$117 / month

Estimated Monthly Payment

$2,139/mo

Principal & Interest$1,753
Property Tax$119
Home Insurance$150
FHA MIP$117

Amortization · Remaining Balance

Financed Loan Amount

$281,428

Total Interest

$349,647

Total of Payments

$631,075

*Includes financed FHA Upfront MIP of $4,840

Local Market Insights

Graham County FHA Mortgage Overview

In Graham County, the typical FHA homebuyer secures a $303,609 property with an 8.88% down payment, reflecting accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—critical for those with sub-620 credit. The 91.12% loan-to-value ratio underscores this low-equity profile, with all purchases as primary residences. A 0.47% effective property tax rate, adjusted down 10.2% for inflation, slightly eases monthly costs. When evaluating an FHA loan calculator with PMI and taxes in Graham County, AZ, the 6.358% average rate and these tax shifts meaningfully impact true affordability. For precise budgeting, consult Graham County FHA loan limits and tax calculators.

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.