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Pulaski County FHA Loan Calculator

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

Loan Details

Pulaski County, GA Benchmarks

FHA averages
Typical Property Value$228,333
Average Down Payment8.8%
Average Interest Rate6.285%
Effective Tax Rate0.91%
Median Tax Paid$1,463/yr
Tax Growth (Historical)+7.8%
Based on 60 regional loans totaling $12,090,000 (HMDA database).
$
%

$20,093 down · $208,240 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$173 / month

$

Annual premium

$

Per month

%

$88 / month

Estimated Monthly Payment

$1,722/mo

  • Principal & Interest$1,310
  • Property Tax$173
  • Home Insurance$150
  • FHA MIP$88
Amortization · Remaining Balance

Financed Loan Amount

$211,884

Total Interest

$259,760

Total of Payments

$471,644

*Includes financed FHA Upfront MIP of $3,644

Local Market Insights

Pulaski County FHA Mortgage Overview

Pulaski County's FHA market offers accessible entry with an 8.79% down payment, below the national average. This low barrier, combined with a 91.21% loan-to-value ratio, makes it ideal for buyers with sub-620 credit scores. However, the mandatory MIP is required for the life of the loan, a permanent cost to factor. With a 6.285% interest rate and a 0.91% effective property tax rate, the recent 7.8% inflation-adjusted tax shift adds notable monthly pressure. For accurate monthly totals including FHA PMI and taxes in Pulaski County, GA, buyers should assess these fixed costs against the low down payment advantage. All data reflects 100% primary occupancy, not investment activity.

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.