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Bradford County FHA Loan Calculator

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

Loan Details

Bradford County, PA Benchmarks

FHA averages
Typical Property Value$211,519
Average Down Payment12.0%
Average Interest Rate6.454%
Effective Tax Rate1.04%
Median Tax Paid$2,044/yr
Tax Growth (Historical)-6.0%
Based on 158 regional loans totaling $28,290,000 (HMDA database).
$
%

$25,382 down · $186,137 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$183 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,603/mo

  • Principal & Interest$1,191
  • Property Tax$183
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$189,394

Total Interest

$239,322

Total of Payments

$428,716

*Includes financed FHA Upfront MIP of $3,257

Local Market Insights

Bradford County FHA Mortgage Overview

For Bradford County homebuyers using an FHA loan, the 11.99% average down payment and 88.01% LTV ratio provide accessible entry, but note that MIP is required for the life of the loan, regardless of the down payment size. This makes FHA financing ideal for those with sub-620 credit scores, as reflected in the 100% primary occupancy rate. With an average property value of $211,518.99 and a 6.454% interest rate, the effective property tax rate of 1.04% adds roughly $183 monthly. However, the recent -6.0% inflation-adjusted tax shift offers slight relief, improving true affordability when using a Bradford County FHA loan with PMI and taxes analysis. Understanding Bradford County FHA loan limits and the tax environment is crucial for accurate monthly budgeting.

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.