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Barnstable County FHA Loan Calculator

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

Loan Details

Barnstable County, MA Benchmarks

FHA averages
Typical Property Value$612,139
Average Down Payment17.3%
Average Interest Rate6.116%
Effective Tax Rate0.65%
Median Tax Paid$4,239/yr
Tax Growth (Historical)+0.5%
Based on 368 regional loans totaling $172,570,000 (HMDA database).
$
%

$105,900 down · $506,239 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$332 / month

$

Annual premium

$

Per month

%

$215 / month

Estimated Monthly Payment

$3,824/mo

  • Principal & Interest$3,128
  • Property Tax$332
  • Home Insurance$150
  • FHA MIP$215
Amortization · Remaining Balance

Financed Loan Amount

$515,098

Total Interest

$611,027

Total of Payments

$1,126,125

*Includes financed FHA Upfront MIP of $8,859

Local Market Insights

Barnstable County FHA Mortgage Overview

In Barnstable County, the 17.28% weighted average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life regardless of equity, making this structure ideal for buyers with sub-620 credit. With a median 82.72% loan-to-value (LTV) and 100% primary occupancy, this data reflects standard homebuyers, not investors. The 0.65% effective property tax rate, adjusted upward by 0.5% for inflation, adds a modest but real monthly cost. For accurate Barnstable County FHA loan limits and tax calculators, factor these MIP and tax impacts into 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.