Marion County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Marion County, GA Benchmarks

FHA averages

Typical Property Value$246,786

Average Down Payment13.7%

Average Interest Rate6.574%

Effective Tax Rate0.64%

Median Tax Paid$1,090/yr

Tax Growth (Historical)+22.9%

Based on 28 regional loans totaling $5,830,000 (HMDA database).

Home Price

Down Payment

$33,810 down · $212,976 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$132 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$90 / month

Estimated Monthly Payment

$1,752/mo

Principal & Interest$1,380
Property Tax$132
Home Insurance$150
FHA MIP$90

Amortization · Remaining Balance

Financed Loan Amount

$216,703

Total Interest

$279,990

Total of Payments

$496,694

*Includes financed FHA Upfront MIP of $3,727

Local Market Insights

Marion County FHA Mortgage Overview

For Marion County homebuyers using an FHA loan with a 13.74% down payment, the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life, regardless of equity. The 86.26% loan-to-value ratio confirms this is a low-barrier entry point, ideal for those with sub-620 credit. While the 0.64% effective property tax rate is moderate, the 22.9% inflation-adjusted tax increase significantly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Marion County, GA, this tax shift is a key cost driver. All data reflects 100% owner-occupied purchases, not investments.

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.