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DeKalb County FHA Loan Calculator

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

Loan Details

DeKalb County, GA Benchmarks

FHA averages
Typical Property Value$315,569
Average Down Payment10.4%
Average Interest Rate6.143%
Effective Tax Rate0.93%
Median Tax Paid$3,310/yr
Tax Growth (Historical)+5.4%
Based on 3,560 regional loans totaling $973,950,000 (HMDA database).
$
%

$32,819 down · $282,750 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$245 / month

$

Annual premium

$

Per month

%

$120 / month

Estimated Monthly Payment

$2,265/mo

  • Principal & Interest$1,751
  • Property Tax$245
  • Home Insurance$150
  • FHA MIP$120
Amortization · Remaining Balance

Financed Loan Amount

$287,698

Total Interest

$342,617

Total of Payments

$630,315

*Includes financed FHA Upfront MIP of $4,948

Local Market Insights

DeKalb County FHA Mortgage Overview

For DeKalb County homebuyers using an FHA loan, the 10.43% weighted average down payment offers accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are mandatory for the life of the loan, regardless of equity. The 89.57% median Loan-to-Value (LTV) ratio confirms this standard owner-occupied profile. With a 6.143% average interest rate and a 0.93% effective property tax rate, the recent 5.4% inflation-adjusted tax increase meaningfully impacts true monthly affordability. Understanding these DeKalb County FHA loan limits and property tax dynamics is critical for accurate budgeting, as the MIP requirement adds a permanent cost layer.

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.