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Brazos County FHA Loan Calculator

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

Loan Details

Brazos County, TX Benchmarks

FHA averages
Typical Property Value$308,344
Average Down Payment6.1%
Average Interest Rate5.684%
Effective Tax Rate1.38%
Median Tax Paid$4,568/yr
Tax Growth (Historical)-3.2%
Based on 628 regional loans totaling $184,530,000 (HMDA database).
$
%

$18,809 down · $289,535 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$355 / month

$

Annual premium

$

Per month

%

$123 / month

Estimated Monthly Payment

$2,333/mo

  • Principal & Interest$1,706
  • Property Tax$355
  • Home Insurance$150
  • FHA MIP$123
Amortization · Remaining Balance

Financed Loan Amount

$294,602

Total Interest

$319,608

Total of Payments

$614,210

*Includes financed FHA Upfront MIP of $5,067

Local Market Insights

Brazos County FHA Mortgage Overview

In Brazos County, the 6.12% average down payment on FHA loans provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 93.88% LTV ratio. This data reflects 100% owner-occupied purchases, not investments. The effective property tax rate of 1.38% impacts monthly affordability, though the recent -3.2% inflation-adjusted tax shift offers slight relief. For buyers using an FHA loan calculator with PMI and taxes in Brazos County, TX, note that the 5.684% average interest rate and $308,344 property value require factoring in permanent MIP costs. This market suits buyers with sub-620 credit seeking lower upfront costs, despite long-term MIP obligations.

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.