Dickson County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Dickson County, TN Benchmarks

FHA averages

Typical Property Value$361,860

Average Down Payment13.2%

Average Interest Rate6.177%

Effective Tax Rate0.44%

Median Tax Paid$1,431/yr

Tax Growth (Historical)+1.4%

Based on 414 regional loans totaling $125,140,000 (HMDA database).

Home Price

Down Payment

$47,766 down · $314,094 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

$133 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$133 / month

Estimated Monthly Payment

$2,369/mo

Principal & Interest$1,953
Property Tax$133
Home Insurance$150
FHA MIP$133

Amortization · Remaining Balance

Financed Loan Amount

$319,591

Total Interest

$383,579

Total of Payments

$703,170

*Includes financed FHA Upfront MIP of $5,497

Local Market Insights

Dickson County FHA Mortgage Overview

In Dickson County, the typical FHA buyer puts 13.15% down on a $361,860 property, which is higher than the standard 3.5% minimum. This still requires mandatory MIP for the loan’s life, ideal for buyers with sub-620 credit. The 86.85% loan-to-value ratio confirms a lower risk profile for lenders given 100% owner-occupancy. With a 6.177% rate and a 0.44% effective tax rate, the 1.4% inflation-adjusted tax shift keeps monthly costs stable. When evaluating an FHA loan with PMI and taxes in Dickson County, TN, this data helps assess limits and true affordability.

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.