Telfair County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Telfair County, GA Benchmarks

FHA averages

Typical Property Value$166,739

Average Down Payment11.2%

Average Interest Rate6.600%

Effective Tax Rate0.70%

Median Tax Paid$1,269/yr

Tax Growth (Historical)+4.2%

Based on 23 regional loans totaling $3,245,000 (HMDA database).

Home Price

Down Payment

$18,675 down · $148,064 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

$97 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$63 / month

Estimated Monthly Payment

$1,272/mo

Principal & Interest$962
Property Tax$97
Home Insurance$150
FHA MIP$63

Amortization · Remaining Balance

Financed Loan Amount

$150,655

Total Interest

$195,727

Total of Payments

$346,383

*Includes financed FHA Upfront MIP of $2,591

Local Market Insights

Telfair County FHA Mortgage Overview

In Telfair County, the 11.21% average down payment on FHA loans provides accessible entry for homebuyers, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. With an 88.79% LTV ratio and 100% owner-occupancy, this market favors primary residences. The 0.70% effective property tax rate, adjusted upward by 4.2% for inflation, adds roughly $97 monthly on a $166,739 home. When evaluating an FHA loan with PMI and taxes in Telfair County, GA, or exploring Telfair County FHA loan limits, this data confirms a stable, affordable market for owner-occupants.

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.