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Hampton County FHA Loan Calculator

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

Loan Details

Hampton County, SC Benchmarks

FHA averages
Typical Property Value$232,656
Average Down Payment12.1%
Average Interest Rate6.339%
Effective Tax Rate0.63%
Median Tax Paid$897/yr
Tax Growth (Historical)+5.3%
Based on 64 regional loans totaling $12,610,000 (HMDA database).
$
%

$28,151 down · $204,505 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$122 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,652/mo

  • Principal & Interest$1,293
  • Property Tax$122
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$208,083

Total Interest

$257,544

Total of Payments

$465,628

*Includes financed FHA Upfront MIP of $3,579

Local Market Insights

Hampton County FHA Mortgage Overview

In Hampton County, the 12.14% average down payment on FHA loans provides accessible entry for buyers, particularly those with sub-620 credit scores. However, with a median LTV of 87.86%, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, unlike conventional loans. The 0.63% effective property tax rate is modest, though the recent 5.3% inflation-adjusted tax shift will increase monthly costs. An FHA loan down payment analysis in Hampton County, South Carolina must account for this permanent MIP, making the 6.339% interest rate only part of the true affordability picture for these 100% owner-occupied properties.

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.