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Flagler County FHA Loan Calculator

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

Loan Details

Flagler County, FL Benchmarks

FHA averages
Typical Property Value$344,003
Average Down Payment8.4%
Average Interest Rate5.687%
Effective Tax Rate0.76%
Median Tax Paid$2,789/yr
Tax Growth (Historical)+2.9%
Based on 1,104 regional loans totaling $341,520,000 (HMDA database).
$
%

$28,896 down · $315,107 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$218 / month

$

Annual premium

$

Per month

%

$134 / month

Estimated Monthly Payment

$2,360/mo

  • Principal & Interest$1,859
  • Property Tax$218
  • Home Insurance$150
  • FHA MIP$134
Amortization · Remaining Balance

Financed Loan Amount

$320,621

Total Interest

$348,567

Total of Payments

$669,188

*Includes financed FHA Upfront MIP of $5,514

Local Market Insights

Flagler County FHA Mortgage Overview

Flagler County’s FHA loan data reveals an accessible entry point for owner-occupants, with a weighted average down payment of just 8.39% against a $344,003 property value. This low down payment, paired with a 91.61% LTV ratio, means mandatory MIP for the life of the loan—ideal for buyers with sub-620 credit who prioritize cash preservation. The 5.687% interest rate and 0.76% effective property tax rate, adjusted upward by 2.9% for inflation, directly impact monthly affordability. When using an FHA loan down payment analysis in Flagler County, Florida, you must factor in permanent MIP alongside these rising taxes. For a complete Flagler County FHA mortgage evaluation with property taxes, this data confirms a stable primary residence market, not speculative investment.

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.