Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>South Carolina>Aiken County (FHA)

Aiken County FHA Loan Calculator

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

Loan Details

Aiken County, SC Benchmarks

FHA averages
Typical Property Value$260,073
Average Down Payment8.7%
Average Interest Rate6.136%
Effective Tax Rate0.47%
Median Tax Paid$897/yr
Tax Growth (Historical)+0.9%
Based on 1,169 regional loans totaling $272,135,000 (HMDA database).
$
%

$22,626 down · $237,447 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$102 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$1,823/mo

  • Principal & Interest$1,470
  • Property Tax$102
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$241,602

Total Interest

$287,722

Total of Payments

$529,324

*Includes financed FHA Upfront MIP of $4,155

Local Market Insights

Aiken County FHA Mortgage Overview

For Aiken County homebuyers, the 8.72% down payment on FHA loans provides accessible entry, though this data reflects a 91.28% loan-to-value ratio. Since this is an FHA loan, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, making it ideal for buyers with sub-620 credit scores purchasing a primary residence. The effective property tax rate of 0.47% is low, but the 0.9% inflation-adjusted tax change signals a modest upward shift in monthly affordability. When evaluating an FHA loan with PMI and taxes in Aiken County, SC, the 6.136% interest rate and $260,072 average property value frame the true cost. Understanding Aiken County FHA loan limits and property taxes is critical, as the 100% owner-occupied data confirms this is a standard homebuyer 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.