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Evans County FHA Loan Calculator

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

Loan Details

Evans County, GA Benchmarks

FHA averages
Typical Property Value$253,286
Average Down Payment10.6%
Average Interest Rate6.555%
Effective Tax Rate0.94%
Median Tax Paid$1,405/yr
Tax Growth (Historical)-5.5%
Based on 35 regional loans totaling $7,705,000 (HMDA database).
$
%

$26,848 down · $226,438 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$198 / month

$

Annual premium

$

Per month

%

$96 / month

Estimated Monthly Payment

$1,908/mo

  • Principal & Interest$1,464
  • Property Tax$198
  • Home Insurance$150
  • FHA MIP$96
Amortization · Remaining Balance

Financed Loan Amount

$230,400

Total Interest

$296,593

Total of Payments

$526,994

*Includes financed FHA Upfront MIP of $3,963

Local Market Insights

Evans County FHA Mortgage Overview

For Evans County homebuyers, the 10.56% average down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. With a high 89.44% loan-to-value ratio and 100% owner-occupancy, this market favors buyers with sub-620 credit scores. The 0.94% effective property tax rate and recent -5.5% inflation-adjusted tax shift slightly improve monthly affordability. When assessing an FHA mortgage with property taxes, note the $253,286 average property value and 6.555% interest rate. This data helps evaluate FHA loan limits and tax impacts in Evans County, Georgia.

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.