Orangeburg County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Orangeburg County, SC Benchmarks

FHA averages

Typical Property Value$238,423

Average Down Payment8.4%

Average Interest Rate6.139%

Effective Tax Rate0.58%

Median Tax Paid$749/yr

Tax Growth (Historical)+0.4%

Based on 521 regional loans totaling $111,085,000 (HMDA database).

Home Price

Down Payment

$20,028 down · $218,395 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$115 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$93 / month

Estimated Monthly Payment

$1,710/mo

Principal & Interest$1,352
Property Tax$115
Home Insurance$150
FHA MIP$93

Amortization · Remaining Balance

Financed Loan Amount

$222,217

Total Interest

$264,637

Total of Payments

$486,854

*Includes financed FHA Upfront MIP of $3,822

Local Market Insights

Orangeburg County FHA Mortgage Overview

Orangeburg County's FHA market shows accessible entry with an 8.41% down payment on a $238,423 average property, though this 91.59% LTV triggers mandatory Mortgage Insurance Premium (MIP) for the loan's life—ideal for buyers with sub-620 credit. The 0.58% effective tax rate, adjusted upward by 0.4% for inflation, adds modest monthly cost. For those exploring an FHA loan down payment in Orangeburg County, SC, property taxes and MIP are permanent fixtures. This data reflects 100% owner-occupied purchases, not investments, highlighting a stable primary residence 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.