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Brewster County FHA Loan Calculator

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

Loan Details

Brewster County, TX Benchmarks

FHA averages
Typical Property Value$267,857
Average Down Payment4.3%
Average Interest Rate6.280%
Effective Tax Rate0.98%
Median Tax Paid$2,574/yr
Tax Growth (Historical)-5.6%
Based on 21 regional loans totaling $5,405,000 (HMDA database).
$
%

$11,518 down · $256,339 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$219 / month

$

Annual premium

$

Per month

%

$120 / month

Estimated Monthly Payment

$2,099/mo

  • Principal & Interest$1,611
  • Property Tax$219
  • Home Insurance$150
  • FHA MIP$120
Amortization · Remaining Balance

Financed Loan Amount

$260,825

Total Interest

$319,148

Total of Payments

$579,973

*Includes financed FHA Upfront MIP of $4,486

Local Market Insights

Brewster County FHA Mortgage Overview

In Brewster County, the 4.26% weighted average down payment on an FHA loan highlights its role as an accessible entry point for owner-occupants, though the mandatory MIP applies for the loan’s life due to the 95.74% LTV ratio. The 6.280% rate and 0.98% effective property tax rate create a baseline for a Brewster County FHA mortgage calculator with property taxes, but the -5.6% inflation-adjusted tax shift offers slight monthly relief. Buyers using an FHA loan down payment calculator in Brewster County should note that while upfront costs are low, long-term affordability is tied to these fixed MIP costs and the county’s stable tax environment.

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.