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Butte County FHA Loan Calculator

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

Loan Details

Butte County, CA Benchmarks

FHA averages
Typical Property Value$365,580
Average Down Payment8.3%
Average Interest Rate6.184%
Effective Tax Rate0.71%
Median Tax Paid$2,951/yr
Tax Growth (Historical)+1.5%
Based on 621 regional loans totaling $202,005,000 (HMDA database).
$
%

$30,343 down · $335,237 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$216 / month

$

Annual premium

$

Per month

%

$142 / month

Estimated Monthly Payment

$2,593/mo

  • Principal & Interest$2,085
  • Property Tax$216
  • Home Insurance$150
  • FHA MIP$142
Amortization · Remaining Balance

Financed Loan Amount

$341,104

Total Interest

$409,399

Total of Payments

$750,502

*Includes financed FHA Upfront MIP of $5,867

Local Market Insights

Butte County FHA Mortgage Overview

Butte County’s FHA market reveals a highly accessible entry point for owner-occupants. With a weighted average down payment of just 8.34% and a 91.66% loan-to-value ratio, buyers can secure financing with limited upfront cash. However, this FHA structure mandates Mortgage Insurance Premiums (MIP) for the loan’s entire term, regardless of equity buildup—a critical factor for those considering an FHA loan with PMI and taxes in Butte County, CA. The effective property tax rate of 0.71%, adjusted upward by 1.5% for inflation, adds a predictable but rising monthly cost. At an average 6.184% interest rate and property value of $365,580, true affordability hinges on factoring both MIP and this tax shift into any Butte County FHA mortgage analysis with property taxes.

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.