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York County FHA Loan Calculator

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

Loan Details

York County, SC Benchmarks

FHA averages
Typical Property Value$350,306
Average Down Payment11.1%
Average Interest Rate6.078%
Effective Tax Rate0.53%
Median Tax Paid$1,740/yr
Tax Growth (Historical)+5.4%
Based on 1,621 regional loans totaling $492,995,000 (HMDA database).
$
%

$38,884 down · $311,422 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$155 / month

$

Annual premium

$

Per month

%

$132 / month

Estimated Monthly Payment

$2,353/mo

  • Principal & Interest$1,916
  • Property Tax$155
  • Home Insurance$150
  • FHA MIP$132
Amortization · Remaining Balance

Financed Loan Amount

$316,872

Total Interest

$372,937

Total of Payments

$689,809

*Includes financed FHA Upfront MIP of $5,450

Local Market Insights

York County FHA Mortgage Overview

York County homebuyers utilizing FHA loans are accessing the market with a weighted average down payment of 11.12% and an 88.88% loan-to-value ratio. This lower equity means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, making it ideal for buyers with sub-620 credit scores seeking accessible entry. The effective property tax rate of 0.53% adds modest monthly cost, though the recent 5.4% inflation-adjusted tax increase will raise true affordability. For those exploring an FHA loan with PMI and taxes in York County, SC, understanding these permanent MIP costs versus the low down payment is critical. This data, reflecting 100% owner-occupied purchases, confirms standard homebuyer behavior rather than investor activity.

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.