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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, Pennsylvania based on real HMDA transaction records.

Loan Details

Washington County, PA Benchmarks

FHA averages
Typical Property Value$246,106
Average Down Payment12.2%
Average Interest Rate6.339%
Effective Tax Rate1.10%
Median Tax Paid$2,485/yr
Tax Growth (Historical)-1.4%
Based on 624 regional loans totaling $130,590,000 (HMDA database).
$
%

$30,025 down · $216,081 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$226 / month

$

Annual premium

$

Per month

%

$92 / month

Estimated Monthly Payment

$1,834/mo

  • Principal & Interest$1,367
  • Property Tax$226
  • Home Insurance$150
  • FHA MIP$92
Amortization · Remaining Balance

Financed Loan Amount

$219,862

Total Interest

$272,123

Total of Payments

$491,986

*Includes financed FHA Upfront MIP of $3,781

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers utilizing an FHA loan, the 12.23% average down payment provides accessible entry, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. With an 87.77% median loan-to-value ratio and 100% owner-occupancy, this market favors those with sub-620 credit scores. The 1.10% effective property tax rate, recently adjusted down by 1.4% for inflation, slightly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Washington County, PA, note that the 6.339% average interest rate on a $246,106 property means your total housing cost hinges on both MIP and the stable tax environment.

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.