Comal County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Comal County, TX Benchmarks

FHA averages

Typical Property Value$349,595

Average Down Payment5.1%

Average Interest Rate5.391%

Effective Tax Rate1.04%

Median Tax Paid$4,833/yr

Tax Growth (Historical)-2.9%

Based on 846 regional loans totaling $282,930,000 (HMDA database).

Home Price

Down Payment

$17,829 down · $331,766 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

$303 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$141 / month

Estimated Monthly Payment

$2,487/mo

Principal & Interest$1,893
Property Tax$303
Home Insurance$150
FHA MIP$141

Amortization · Remaining Balance

Financed Loan Amount

$337,572

Total Interest

$344,075

Total of Payments

$681,646

*Includes financed FHA Upfront MIP of $5,806

Local Market Insights

Comal County FHA Mortgage Overview

Comal County’s FHA homebuyers leverage a 5.09% down payment, providing accessible entry but requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit scores. The 94.91% Loan-to-Value ratio confirms minimal equity, with 100% primary occupancy. The 1.04% effective property tax rate, combined with a -2.9% inflation-adjusted tax decrease, slightly lowers monthly costs. When evaluating an FHA loan with PMI and taxes in Comal County, TX, or assessing Comal County FHA loan limits and tax impacts, this data highlights a low-cash-entry market where MIP is permanent, not cancellable.

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.