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Brunswick County FHA Loan Calculator

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

Loan Details

Brunswick County, NC Benchmarks

FHA averages
Typical Property Value$311,815
Average Down Payment9.8%
Average Interest Rate5.915%
Effective Tax Rate0.52%
Median Tax Paid$1,890/yr
Tax Growth (Historical)+2.5%
Based on 1,286 regional loans totaling $353,230,000 (HMDA database).
$
%

$30,558 down · $281,257 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$135 / month

$

Annual premium

$

Per month

%

$119 / month

Estimated Monthly Payment

$2,105/mo

  • Principal & Interest$1,701
  • Property Tax$135
  • Home Insurance$150
  • FHA MIP$119
Amortization · Remaining Balance

Financed Loan Amount

$286,179

Total Interest

$326,216

Total of Payments

$612,395

*Includes financed FHA Upfront MIP of $4,922

Local Market Insights

Brunswick County FHA Mortgage Overview

For Brunswick County homebuyers using an FHA loan, the 9.83% average down payment and 90.17% LTV ratio highlight accessible entry, but mandate Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 0.52% effective property tax rate, with a 2.5% inflation-adjusted shift, adds roughly $13 monthly to affordability. When evaluating an FHA loan with PMI and taxes in Brunswick County, NC, this data reflects 100% primary residences, not investments. For an FHA loan down payment analysis in Brunswick County, North Carolina, the low entry cost offsets the permanent MIP burden.

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.