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Wilkinson County FHA Loan Calculator

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

Loan Details

Wilkinson County, MS Benchmarks

FHA averages
Typical Property Value$187,308
Average Down Payment18.5%
Average Interest Rate6.318%
Effective Tax Rate0.62%
Median Tax Paid$895/yr
Tax Growth (Historical)+25.6%
Based on 13 regional loans totaling $1,775,000 (HMDA database).
$
%

$34,652 down · $152,656 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$97 / month

$

Annual premium

$

Per month

%

$65 / month

Estimated Monthly Payment

$1,275/mo

  • Principal & Interest$963
  • Property Tax$97
  • Home Insurance$150
  • FHA MIP$65
Amortization · Remaining Balance

Financed Loan Amount

$155,328

Total Interest

$191,518

Total of Payments

$346,846

*Includes financed FHA Upfront MIP of $2,671

Local Market Insights

Wilkinson County FHA Mortgage Overview

In Wilkinson County, the 18.49% average down payment on FHA loans provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life regardless of equity. With an 81.51% loan-to-value ratio and 100% owner-occupancy, this data reflects standard homebuyers, not investors. The 0.62% property tax rate is low, but the 25.6% inflation-adjusted tax increase will impact monthly affordability for buyers using an FHA loan with PMI and taxes in Wilkinson County, MS. At a 6.318% rate on a $187,308 property, understanding Wilkinson County FHA loan limits and tax considerations is crucial for budgeting.

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.