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Dauphin County FHA Loan Calculator

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

Dauphin County, PA Benchmarks

FHA averages
Typical Property Value$257,688
Average Down Payment11.7%
Average Interest Rate6.399%
Effective Tax Rate1.28%
$
%

$30,149 down · $227,539 financed

Estimated Monthly Payment

$1,970/mo

  • Principal & Interest$1,448
  • Property Tax$275
  • Home Insurance$150
  • FHA MIP$96
Amortization · Remaining Balance

Financed Loan Amount

$231,520

Total Interest

$289,822

Total of Payments

$521,343

*Includes financed FHA Upfront MIP of $3,982

Local Market Insights

Dauphin County FHA Mortgage Overview

For Dauphin County homebuyers using an FHA loan, the 11.69% down payment on a $257,688 average property offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 88.31% loan-to-value (LTV) ratio confirms this, as you cannot cancel MIP. The 1.28% effective property tax rate adds roughly $3,298 annually, but the -2.2% inflation-adjusted tax shift slightly eases monthly affordability. When evaluating an FHA loan with PMI and taxes in Dauphin County, PA, remember these ongoing costs. For those checking Dauphin 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.