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Beaufort County FHA Loan Calculator

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

Loan Details

Beaufort County, NC Benchmarks

FHA averages
Typical Property Value$244,439
Average Down Payment11.7%
Average Interest Rate6.434%
Effective Tax Rate0.58%
Median Tax Paid$1,300/yr
Tax Growth (Historical)-1.2%
Based on 107 regional loans totaling $22,455,000 (HMDA database).
$
%

$28,599 down · $215,840 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$118 / month

$

Annual premium

$

Per month

%

$92 / month

Estimated Monthly Payment

$1,738/mo

  • Principal & Interest$1,378
  • Property Tax$118
  • Home Insurance$150
  • FHA MIP$92
Amortization · Remaining Balance

Financed Loan Amount

$219,617

Total Interest

$276,475

Total of Payments

$496,092

*Includes financed FHA Upfront MIP of $3,777

Local Market Insights

Beaufort County FHA Mortgage Overview

For Beaufort County homebuyers using an FHA loan, the 11.69% average down payment and 88.31% loan-to-value (LTV) ratio indicate accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. This makes FHA ideal for sub-620 credit scores. The 0.58% effective property tax rate, with a -1.2% inflation-adjusted decrease, slightly improves monthly affordability. When evaluating an FHA loan down payment in Beaufort County, North Carolina, remember MIP and property taxes directly impact your true monthly cost. This data reflects 100% owner-occupied primary residences, not investments.

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.