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Harnett County FHA Loan Calculator

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

Loan Details

Harnett County, NC Benchmarks

FHA averages
Typical Property Value$312,059
Average Down Payment7.8%
Average Interest Rate5.983%
Effective Tax Rate0.68%
Median Tax Paid$1,689/yr
Tax Growth (Historical)-0.2%
Based on 1,197 regional loans totaling $339,825,000 (HMDA database).
$
%

$24,341 down · $287,718 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$177 / month

$

Annual premium

$

Per month

%

$122 / month

Estimated Monthly Payment

$2,200/mo

  • Principal & Interest$1,751
  • Property Tax$177
  • Home Insurance$150
  • FHA MIP$122
Amortization · Remaining Balance

Financed Loan Amount

$292,753

Total Interest

$337,766

Total of Payments

$630,519

*Includes financed FHA Upfront MIP of $5,035

Local Market Insights

Harnett County FHA Mortgage Overview

For Harnett County homebuyers, the 7.77% weighted average down payment highlights FHA's role as an accessible entry point, though mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life due to the 92.23% median loan-to-value ratio. This data, reflecting 100% primary residences, means FHA loan limits and property taxes directly shape affordability. With an effective tax rate of 0.68% and a -0.2% inflation-adjusted tax change, monthly costs remain stable. Buyers evaluating an FHA loan with PMI and taxes in Harnett County, NC should note that the low down payment suits those with sub-620 credit scores, but MIP cannot be canceled.

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.