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Worth County FHA Loan Calculator

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

Loan Details

Worth County, GA Benchmarks

FHA averages
Typical Property Value$198,898
Average Down Payment12.5%
Average Interest Rate6.538%
Effective Tax Rate0.98%
Median Tax Paid$1,185/yr
Tax Growth (Historical)-5.9%
Based on 59 regional loans totaling $9,965,000 (HMDA database).
$
%

$24,862 down · $174,036 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$162 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,510/mo

  • Principal & Interest$1,124
  • Property Tax$162
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$177,081

Total Interest

$227,536

Total of Payments

$404,617

*Includes financed FHA Upfront MIP of $3,046

Local Market Insights

Worth County FHA Mortgage Overview

For Worth County homebuyers using an FHA loan, the 12.52% average down payment (with an 87.48% LTV) provides accessible entry, but note that FHA MIP is required for the loan’s life regardless of equity. This market is entirely owner-occupied, not investment properties. The 0.98% effective property tax rate, combined with a -5.9% inflation-adjusted tax decrease, improves true monthly affordability for a Worth County FHA mortgage with property taxes. Given the 6.538% average interest rate, local FHA loan limits and tax impacts make this a stable, predictable option for those seeking a Worth County FHA loan down payment analysis with PMI and taxes.

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.