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DeKalb County FHA Loan Calculator

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

Loan Details

DeKalb County, TN Benchmarks

FHA averages
Typical Property Value$302,133
Average Down Payment10.7%
Average Interest Rate6.351%
Effective Tax Rate0.34%
Median Tax Paid$824/yr
Tax Growth (Historical)+7.0%
Based on 144 regional loans totaling $37,740,000 (HMDA database).
$
%

$32,328 down · $269,805 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$86 / month

$

Annual premium

$

Per month

%

$114 / month

Estimated Monthly Payment

$2,058/mo

  • Principal & Interest$1,708
  • Property Tax$86
  • Home Insurance$150
  • FHA MIP$114
Amortization · Remaining Balance

Financed Loan Amount

$274,526

Total Interest

$340,426

Total of Payments

$614,952

*Includes financed FHA Upfront MIP of $4,722

Local Market Insights

DeKalb County FHA Mortgage Overview

For DeKalb County homebuyers, the 10.74% average down payment on FHA loans signals accessible entry, but the 89.26% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life—ideal for those with sub-620 credit. The 0.34% effective property tax rate is low, yet a recent 7.0% inflation-adjusted increase will modestly raise monthly costs. When evaluating an FHA loan down payment with PMI and taxes in DeKalb County, TN, remember that the $302,132 average property value and 6.351% rate require factoring in this permanent MIP, making true affordability hinge on the steady tax shift.

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.