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Moore County FHA Loan Calculator

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

Loan Details

Moore County, NC Benchmarks

FHA averages
Typical Property Value$342,828
Average Down Payment14.1%
Average Interest Rate6.172%
Effective Tax Rate0.57%
Median Tax Paid$1,849/yr
Tax Growth (Historical)+0.5%
Based on 291 regional loans totaling $81,785,000 (HMDA database).
$
%

$48,339 down · $294,489 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$163 / month

$

Annual premium

$

Per month

%

$125 / month

Estimated Monthly Payment

$2,267/mo

  • Principal & Interest$1,829
  • Property Tax$163
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$299,643

Total Interest

$358,938

Total of Payments

$658,580

*Includes financed FHA Upfront MIP of $5,154

Local Market Insights

Moore County FHA Mortgage Overview

For Moore County homebuyers using an FHA loan, the 14.11% down payment on a $342,827 average property provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life due to the 85.89% LTV ratio—ideal for those with sub-620 credit. The effective 0.57% property tax rate, adjusted upward by 0.5% for inflation, adds roughly $162 annually to monthly costs. When evaluating an FHA loan with PMI and taxes in Moore County, NC, or exploring FHA loan down payment options, this data reflects owner-occupied purchases only, 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.