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La Plata County FHA Loan Calculator

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

Loan Details

La Plata County, CO Benchmarks

FHA averages
Typical Property Value$555,482
Average Down Payment17.4%
Average Interest Rate6.199%
Effective Tax Rate0.27%
Median Tax Paid$1,552/yr
Tax Growth (Historical)+3.7%
Based on 83 regional loans totaling $33,255,000 (HMDA database).
$
%

$96,654 down · $458,828 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$125 / month

$

Annual premium

$

Per month

%

$195 / month

Estimated Monthly Payment

$3,329/mo

  • Principal & Interest$2,859
  • Property Tax$125
  • Home Insurance$150
  • FHA MIP$195
Amortization · Remaining Balance

Financed Loan Amount

$466,858

Total Interest

$562,511

Total of Payments

$1,029,369

*Includes financed FHA Upfront MIP of $8,029

Local Market Insights

La Plata County FHA Mortgage Overview

In La Plata County, the 17.38% average down payment for FHA loans provides accessible entry, yet mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life regardless of equity, as the 82.62% LTV ratio confirms. This data reflects 100% owner-occupied purchases, not investments. The low 0.27% effective property tax rate, adjusted upward by 3.7% for inflation, keeps monthly costs manageable when evaluating FHA loan limits and tax impacts. Buyers using an FHA loan down payment strategy here benefit from stable affordability despite permanent MIP.

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.