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Stanislaus County FHA Loan Calculator

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

Loan Details

Stanislaus County, CA Benchmarks

FHA averages
Typical Property Value$462,234
Average Down Payment8.8%
Average Interest Rate6.052%
Effective Tax Rate0.73%
Median Tax Paid$3,216/yr
Tax Growth (Historical)+3.1%
Based on 2,022 regional loans totaling $836,070,000 (HMDA database).
$
%

$40,677 down · $421,557 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$281 / month

$

Annual premium

$

Per month

%

$179 / month

Estimated Monthly Payment

$3,195/mo

  • Principal & Interest$2,585
  • Property Tax$281
  • Home Insurance$150
  • FHA MIP$179
Amortization · Remaining Balance

Financed Loan Amount

$428,935

Total Interest

$501,840

Total of Payments

$930,775

*Includes financed FHA Upfront MIP of $7,377

Local Market Insights

Stanislaus County FHA Mortgage Overview

Stanislaus County’s FHA market shows accessible entry with an 8.80% down payment on a $462,234 average property. However, the 91.20% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, making it ideal for buyers with sub-620 credit. The 0.73% effective property tax rate, adjusted 3.1% for inflation, adds roughly $281 monthly in taxes. For a true monthly picture with PMI and taxes in Stanislaus County, CA, this FHA path offers low upfront cost but higher long-term carrying costs compared to a conventional loan.

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.