Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>California>Inyo County (FHA)

Inyo County FHA Loan Calculator

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

Loan Details

Inyo County, CA Benchmarks

FHA averages
Typical Property Value$460,556
Average Down Payment12.9%
Average Interest Rate6.475%
Effective Tax Rate0.59%
Median Tax Paid$2,576/yr
Tax Growth (Historical)+4.5%
Based on 27 regional loans totaling $9,845,000 (HMDA database).
$
%

$59,412 down · $401,144 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$226 / month

$

Annual premium

$

Per month

%

$170 / month

Estimated Monthly Payment

$3,118/mo

  • Principal & Interest$2,572
  • Property Tax$226
  • Home Insurance$150
  • FHA MIP$170
Amortization · Remaining Balance

Financed Loan Amount

$408,164

Total Interest

$517,694

Total of Payments

$925,858

*Includes financed FHA Upfront MIP of $7,020

Local Market Insights

Inyo County FHA Mortgage Overview

In Inyo County, the 12.86% average down payment on an FHA loan offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s lifetime, regardless of equity. With a median Loan-to-Value ratio of 87.14%, this market serves primarily owner-occupants. The effective property tax rate of 0.59% is low, though the 4.5% inflation-adjusted tax shift will modestly raise monthly costs. For buyers using an FHA loan with PMI and taxes in Inyo County, CA, this structure suits those with sub-620 credit scores, though the FHA loan limits and tax calculator data confirm MIP is a permanent cost.

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.