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Acadia Parish FHA Loan Calculator

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

Loan Details

Acadia Parish, LA Benchmarks

FHA averages
Typical Property Value$206,658
Average Down Payment8.0%
Average Interest Rate6.141%
Effective Tax Rate0.36%
Median Tax Paid$483/yr
Tax Growth (Historical)+5.1%
Based on 187 regional loans totaling $35,135,000 (HMDA database).
$
%

$16,533 down · $190,125 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$62 / month

$

Annual premium

$

Per month

%

$81 / month

Estimated Monthly Payment

$1,470/mo

  • Principal & Interest$1,177
  • Property Tax$62
  • Home Insurance$150
  • FHA MIP$81
Amortization · Remaining Balance

Financed Loan Amount

$193,453

Total Interest

$230,381

Total of Payments

$423,833

*Includes financed FHA Upfront MIP of $3,327

Local Market Insights

Acadia Parish FHA Mortgage Overview

In Acadia Parish, the typical FHA buyer puts down 8.04%, well below the 20% threshold, reflecting accessible entry. However, this low down payment, combined with a high 91.96% loan-to-value ratio, triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—a crucial factor when using an FHA loan calculator with PMI and taxes in Acadia Parish, LA. The effective property tax rate is a low 0.36%, but the recent 5.1% inflation-adjusted tax increase will modestly raise monthly costs. This data, based on 100% owner-occupied purchases, confirms FHA is ideal for buyers with lower credit scores seeking to secure financing in this specific market. Understanding Acadia Parish FHA loan limits and tax calculator inputs is key to budgeting accurately.

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.