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Barrow County FHA Loan Calculator

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

Loan Details

Barrow County, GA Benchmarks

FHA averages
Typical Property Value$370,961
Average Down Payment8.6%
Average Interest Rate5.739%
Effective Tax Rate0.80%
Median Tax Paid$2,307/yr
Tax Growth (Historical)+5.4%
Based on 1,083 regional loans totaling $362,245,000 (HMDA database).
$
%

$31,903 down · $339,058 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$247 / month

$

Annual premium

$

Per month

%

$144 / month

Estimated Monthly Payment

$2,552/mo

  • Principal & Interest$2,011
  • Property Tax$247
  • Home Insurance$150
  • FHA MIP$144
Amortization · Remaining Balance

Financed Loan Amount

$344,992

Total Interest

$379,000

Total of Payments

$723,992

*Includes financed FHA Upfront MIP of $5,934

Local Market Insights

Barrow County FHA Mortgage Overview

Barrow County’s FHA market reveals an accessible entry point for owner-occupants. The 8.64% down payment on a $370,961 property, with a 91.36% LTV, means buyers avoid the large cash hurdle of a conventional loan. However, this FHA loan carries mandatory MIP for the life of the loan—ideal for those with sub-620 credit. The 0.80% effective property tax rate, adjusted up 5.4% for inflation, adds roughly $247 monthly to true affordability. When considering the Barrow County FHA loan limits and tax impacts, this combination supports stable, long-term homeownership in a primary residence market.

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.