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Bexar County FHA Loan Calculator

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

Loan Details

Bexar County, TX Benchmarks

FHA averages
Typical Property Value$277,640
Average Down Payment4.2%
Average Interest Rate5.433%
Effective Tax Rate1.55%
Median Tax Paid$4,535/yr
Tax Growth (Historical)-0.7%
Based on 10,218 regional loans totaling $2,724,590,000 (HMDA database).
$
%

$11,661 down · $265,979 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$359 / month

$

Annual premium

$

Per month

%

$124 / month

Estimated Monthly Payment

$2,157/mo

  • Principal & Interest$1,525
  • Property Tax$359
  • Home Insurance$150
  • FHA MIP$124
Amortization · Remaining Balance

Financed Loan Amount

$270,634

Total Interest

$278,281

Total of Payments

$548,915

*Includes financed FHA Upfront MIP of $4,655

Local Market Insights

Bexar County FHA Mortgage Overview

For Bexar County homebuyers using an FHA loan, the 4.15% average down payment on a $277,640 property provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 95.85% LTV. This is ideal for those with sub-620 credit, as conventional options are less available. The effective 1.55% property tax rate, with a recent -0.7% inflation-adjusted decrease, slightly eases monthly costs. When evaluating an FHA mortgage with property taxes in Bexar County, TX, the low down payment and permanent MIP are key trade-offs. Note this data reflects 100% owner-occupied purchases, not investments.

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.