La Paz County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

La Paz County, AZ Benchmarks

FHA averages

Typical Property Value$255,244

Average Down Payment12.2%

Average Interest Rate6.533%

Effective Tax Rate0.47%

Median Tax Paid$873/yr

Tax Growth (Historical)+1.9%

Based on 42 regional loans totaling $8,890,000 (HMDA database).

Home Price

Down Payment

$31,140 down · $224,104 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

$100 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$95 / month

Estimated Monthly Payment

$1,791/mo

Principal & Interest$1,446
Property Tax$100
Home Insurance$150
FHA MIP$95

Amortization · Remaining Balance

Financed Loan Amount

$228,026

Total Interest

$292,455

Total of Payments

$520,481

*Includes financed FHA Upfront MIP of $3,922

Local Market Insights

La Paz County FHA Mortgage Overview

In La Paz County, an FHA loan with a 12.24% down payment offers accessible entry, but the 87.76% Loan-to-Value (LTV) means mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, even with this equity. This is ideal for primary residence buyers with sub-620 credit. The effective property tax rate of 0.47% is low, though a 1.9% inflation-adjusted increase slightly raises monthly costs. When evaluating an FHA loan with PMI and taxes in La Paz County, AZ, the average interest rate of 6.533% on a $255,244 property makes the 12.24% down payment a key affordability lever.

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.