Mortgage Data Labs

Programmatic SEO Local County Calculator

Calculator>New York>Orleans County (FHA)

Orleans County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Orleans County, New York 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

Orleans County, NY Benchmarks

FHA averages
Typical Property Value$190,983
Average Down Payment10.3%
Average Interest Rate6.506%
Effective Tax Rate2.23%
$
%

$19,671 down · $171,312 financed

Estimated Monthly Payment

$1,680/mo

  • Principal & Interest$1,103
  • Property Tax$355
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$174,310

Total Interest

$222,735

Total of Payments

$397,045

*Includes financed FHA Upfront MIP of $2,998

Local Market Insights

Orleans County FHA Mortgage Overview

In Orleans County, the 10.33% weighted average down payment on an FHA loan provides accessible entry for buyers, particularly those with sub-620 credit scores. However, with an 89.67% Loan-to-Value ratio, mandatory Mortgage Insurance Premiums (MIP) remain for the life of the loan, a key consideration when evaluating an FHA loan with PMI and taxes in Orleans County, NY. The effective property tax rate of 2.23% is high, though the recent inflation-adjusted tax change of -1.9% offers slight relief. For those exploring Orleans County FHA loan limits and tax impacts, this data reflects 100% owner-occupied purchases, 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.