Yuba County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Yuba County, CA Benchmarks

FHA averages

Typical Property Value$438,412

Average Down Payment6.7%

Average Interest Rate5.859%

Effective Tax Rate0.77%

Median Tax Paid$3,071/yr

Tax Growth (Historical)+4.0%

Based on 551 regional loans totaling $222,985,000 (HMDA database).

Home Price

Down Payment

$29,374 down · $409,038 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$281 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$173 / month

Estimated Monthly Payment

$3,063/mo

Principal & Interest$2,458
Property Tax$281
Home Insurance$150
FHA MIP$173

Amortization · Remaining Balance

Financed Loan Amount

$416,197

Total Interest

$468,673

Total of Payments

$884,870

*Includes financed FHA Upfront MIP of $7,158

Local Market Insights

Yuba County FHA Mortgage Overview

In Yuba County, the 6.71% average down payment for FHA loans provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 93.29% LTV ratio. This data reflects owner-occupied purchases, making the FHA loan down payment ideal for buyers with sub-620 credit. The effective 0.77% property tax rate, adjusted 4.0% for inflation, directly impacts monthly affordability. When evaluating a Yuba County FHA mortgage with property taxes, factor in this persistent MIP cost alongside the tax shift to assess true long-term carrying costs.

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.