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Lyon County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Lyon County, NV Benchmarks

FHA averages
Typical Property Value$391,131
Average Down Payment7.5%
Average Interest Rate6.143%
Effective Tax Rate0.50%
$
%

$29,335 down · $361,796 financed

Estimated Monthly Payment

$2,707/mo

  • Principal & Interest$2,240
  • Property Tax$163
  • Home Insurance$150
  • FHA MIP$153
Amortization · Remaining Balance

Financed Loan Amount

$368,128

Total Interest

$438,400

Total of Payments

$806,528

*Includes financed FHA Upfront MIP of $6,331

Local Market Insights

Lyon County FHA Mortgage Overview

For Lyon County homebuyers using an FHA loan, the 7.45% average down payment and 92.55% loan-to-value (LTV) ratio offer accessible entry, but require mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. This suits buyers with sub-620 credit scores seeking a primary residence. The 0.50% effective property tax rate, with a 2.1% inflation-adjusted increase, adds predictable monthly costs. When evaluating an FHA loan with PMI and taxes in Lyon County, NV, this low down payment reduces upfront burden, though the 6.143% interest rate and permanent MIP impact long-term affordability.

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.