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Highlands County FHA Loan Calculator

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

Loan Details

Highlands County, FL Benchmarks

FHA averages
Typical Property Value$269,788
Average Down Payment9.6%
Average Interest Rate6.337%
Effective Tax Rate0.69%
Median Tax Paid$1,353/yr
Tax Growth (Historical)+1.3%
Based on 638 regional loans totaling $151,650,000 (HMDA database).
$
%

$25,900 down · $243,888 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$155 / month

$

Annual premium

$

Per month

%

$103 / month

Estimated Monthly Payment

$1,951/mo

  • Principal & Interest$1,542
  • Property Tax$155
  • Home Insurance$150
  • FHA MIP$103
Amortization · Remaining Balance

Financed Loan Amount

$248,156

Total Interest

$307,142

Total of Payments

$555,299

*Includes financed FHA Upfront MIP of $4,268

Local Market Insights

Highlands County FHA Mortgage Overview

For Highlands County homebuyers, the 9.57% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life, unlike conventional options. The 90.43% Loan-to-Value ratio and 100% primary occupancy confirm this is a market for owner-occupants, not investors. With a 6.337% rate and 0.69% property tax ($1,861/year on a $269,788 home), the 1.3% inflation-adjusted tax shift adds modest monthly pressure. When using an FHA mortgage analysis with property taxes or checking FHA loan limits in Highlands County, FL, factor in the permanent MIP cost against this low-down-payment advantage.

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.