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Washington County FHA Loan Calculator

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

Loan Details

Washington County, NY Benchmarks

FHA averages
Typical Property Value$231,094
Average Down Payment9.1%
Average Interest Rate6.499%
Effective Tax Rate1.73%
Median Tax Paid$3,946/yr
Tax Growth (Historical)-0.6%
Based on 192 regional loans totaling $39,880,000 (HMDA database).
$
%

$21,030 down · $210,064 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$333 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,923/mo

  • Principal & Interest$1,351
  • Property Tax$333
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$213,741

Total Interest

$272,614

Total of Payments

$486,355

*Includes financed FHA Upfront MIP of $3,676

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers utilizing an FHA loan, the 9.06% average down payment and 90.94% Loan-to-Value (LTV) ratio indicate accessible entry into a market with a $231,094 average property value. However, with FHA financing, the mandatory Mortgage Insurance Premium (MIP) applies for the life of the loan, regardless of this down payment—making it ideal for those with sub-620 credit scores. The effective 1.73% property tax rate, combined with a -0.6% inflation-adjusted decrease, slightly lowers the true monthly cost, which is critical when using an FHA loan down payment tool with PMI and taxes in Washington County, NY. All 100% of buyers are purchasing primary residences, reinforcing this as a standard owner-occupied market.

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.