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Hyde County FHA Loan Calculator

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

Loan Details

Hyde County, NC Benchmarks

FHA averages
Typical Property Value$176,429
Average Down Payment30.6%
Average Interest Rate6.750%
Effective Tax Rate0.62%
Median Tax Paid$975/yr
Tax Growth (Historical)+25.6%
Based on 7 regional loans totaling $755,000 (HMDA database).
$
%

$53,987 down · $122,442 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$91 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,101/mo

  • Principal & Interest$808
  • Property Tax$91
  • Home Insurance$150
  • FHA MIP$52
Amortization · Remaining Balance

Financed Loan Amount

$124,584

Total Interest

$166,314

Total of Payments

$290,899

*Includes financed FHA Upfront MIP of $2,143

Local Market Insights

Hyde County FHA Mortgage Overview

For Hyde County homebuyers utilizing an FHA loan, the weighted average down payment of 30.56% significantly exceeds the standard 3.5% minimum. This high equity stake creates a low risk profile, reflected in the 69.44% loan-to-value (LTV) ratio. However, unlike a conventional loan, FHA Mortgage Insurance Premiums (MIP) remain mandatory for the life of the loan, regardless of your down payment size. This makes an FHA loan with PMI and taxes in Hyde County, NC, ideal for buyers with sub-620 credit scores seeking primary residences. The effective property tax rate of 0.62% is moderate, but the 25.6% inflation-adjusted tax increase raises true monthly affordability. When evaluating an FHA loan down payment in Hyde County, North Carolina, or Hyde County FHA loan limits and property tax impacts, remember that this higher down payment locks in MIP, shifting the focus to long-term tax stability rather than PMI removal.

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.