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Yuma County FHA Loan Calculator

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

Loan Details

Yuma County, AZ Benchmarks

FHA averages
Typical Property Value$297,257
Average Down Payment7.5%
Average Interest Rate6.345%
Effective Tax Rate0.61%
Median Tax Paid$1,333/yr
Tax Growth (Historical)+0.9%
Based on 1,502 regional loans totaling $405,500,000 (HMDA database).
$
%

$22,294 down · $274,963 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$151 / month

$

Annual premium

$

Per month

%

$117 / month

Estimated Monthly Payment

$2,157/mo

  • Principal & Interest$1,739
  • Property Tax$151
  • Home Insurance$150
  • FHA MIP$117
Amortization · Remaining Balance

Financed Loan Amount

$279,775

Total Interest

$346,276

Total of Payments

$626,051

*Includes financed FHA Upfront MIP of $4,812

Local Market Insights

Yuma County FHA Mortgage Overview

Yuma County’s FHA market shows accessible entry with a 7.54% down payment and a 92.46% loan-to-value ratio, ideal for buyers with sub-620 credit. However, this FHA structure mandates Mortgage Insurance Premiums (MIP) for the loan’s life, a permanent cost. The 0.61% property tax rate and 0.9% inflation-adjusted increase add modest monthly pressure. For a realistic Yuma County FHA loan with PMI and taxes, this data confirms affordability hinges on the MIP burden, not just the low down payment. Every purchase here is owner-occupied, reflecting stable local demand.

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.