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Calaveras County FHA Loan Calculator

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

Loan Details

Calaveras County, CA Benchmarks

FHA averages
Typical Property Value$413,565
Average Down Payment9.5%
Average Interest Rate6.273%
Effective Tax Rate0.71%
Median Tax Paid$3,319/yr
Tax Growth (Historical)+2.1%
Based on 216 regional loans totaling $78,350,000 (HMDA database).
$
%

$39,289 down · $374,276 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$245 / month

$

Annual premium

$

Per month

%

$159 / month

Estimated Monthly Payment

$2,903/mo

  • Principal & Interest$2,350
  • Property Tax$245
  • Home Insurance$150
  • FHA MIP$159
Amortization · Remaining Balance

Financed Loan Amount

$380,826

Total Interest

$465,090

Total of Payments

$845,917

*Includes financed FHA Upfront MIP of $6,550

Local Market Insights

Calaveras County FHA Mortgage Overview

In Calaveras County, the 9.53% average down payment on FHA loans provides accessible entry for owner-occupants, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 90.47% LTV ratio. This structure is ideal for buyers with sub-620 credit scores. The 0.71% property tax rate is low, yet the 2.1% inflation-adjusted increase will modestly raise monthly costs. For accurate budgeting, homebuyers exploring an FHA loan with PMI and taxes in Calaveras County, CA must account for these fixed MIP payments alongside the $413,565 average property value.

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.