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St. Tammany Parish FHA Loan Calculator

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

Loan Details

St. Tammany Parish, LA Benchmarks

FHA averages
Typical Property Value$275,113
Average Down Payment9.1%
Average Interest Rate6.142%
Effective Tax Rate0.71%
Median Tax Paid$2,028/yr
Tax Growth (Historical)-1.9%
Based on 1,330 regional loans totaling $326,600,000 (HMDA database).
$
%

$25,035 down · $250,078 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$163 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$1,967/mo

  • Principal & Interest$1,549
  • Property Tax$163
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$254,454

Total Interest

$303,027

Total of Payments

$557,481

*Includes financed FHA Upfront MIP of $4,376

Local Market Insights

St. Tammany Parish FHA Mortgage Overview

For St. Tammany Parish homebuyers, the weighted average FHA down payment of 9.11% offers accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With a 90.89% median LTV and 100% primary occupancy, this market reflects standard owner-occupied purchases. The 0.71% effective property tax rate, combined with a -1.9% inflation-adjusted tax shift, slightly lowers true monthly costs. To explore full affordability, including FHA loan limits and property taxes in St. Tammany Parish, Louisiana, consider how these factors shape your budget.

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.