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Yavapai County FHA Loan Calculator

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

Loan Details

Yavapai County, AZ Benchmarks

FHA averages
Typical Property Value$372,910
Average Down Payment11.7%
Average Interest Rate6.263%
Effective Tax Rate0.40%
Median Tax Paid$1,750/yr
Tax Growth (Historical)-2.1%
Based on 1,117 regional loans totaling $353,485,000 (HMDA database).
$
%

$43,630 down · $329,280 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$124 / month

$

Annual premium

$

Per month

%

$140 / month

Estimated Monthly Payment

$2,479/mo

  • Principal & Interest$2,065
  • Property Tax$124
  • Home Insurance$150
  • FHA MIP$140
Amortization · Remaining Balance

Financed Loan Amount

$335,042

Total Interest

$408,391

Total of Payments

$743,433

*Includes financed FHA Upfront MIP of $5,762

Local Market Insights

Yavapai County FHA Mortgage Overview

For Yavapai County homebuyers using an FHA loan, the 11.70% average down payment on a $372,910 property provides accessible entry. However, with an 88.30% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of this down payment—a key factor when evaluating an FHA loan with PMI and taxes in Yavapai County, AZ. The effective property tax rate of 0.40% is modest, and the recent -2.1% inflation-adjusted tax change slightly improves monthly affordability. This data reflects owner-occupied purchases only, making it ideal for buyers with sub-620 credit scores seeking an FHA mortgage calculator with property taxes insight.

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.