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Jones County FHA Loan Calculator

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

Loan Details

Jones County, NC Benchmarks

FHA averages
Typical Property Value$234,167
Average Down Payment13.4%
Average Interest Rate6.530%
Effective Tax Rate0.69%
Median Tax Paid$964/yr
Tax Growth (Historical)+1.0%
Based on 36 regional loans totaling $7,150,000 (HMDA database).
$
%

$31,378 down · $202,789 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$135 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,679/mo

  • Principal & Interest$1,308
  • Property Tax$135
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$206,337

Total Interest

$264,639

Total of Payments

$470,976

*Includes financed FHA Upfront MIP of $3,549

Local Market Insights

Jones County FHA Mortgage Overview

In Jones County, the 13.36% weighted average down payment on an FHA loan signals accessible entry for buyers, particularly those with sub-620 credit scores. However, this low equity position, reflected in the 86.64% Loan-to-Value ratio, mandates Mortgage Insurance Premiums (MIP) for the life of the loan, a key consideration when evaluating an FHA loan with PMI and taxes in Jones County, NC. The effective property tax rate of 0.69% is modest, but with a 1.0% inflation-adjusted tax increase, monthly affordability tightens. For precise budgeting of Jones County FHA loan limits and tax impacts, homebuyers should assess this data alongside their own financial profile.

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.