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Dickens County FHA Loan Calculator

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

Loan Details

Dickens County, TX Benchmarks

FHA averages
Typical Property Value$150,000
Average Down Payment23.4%
Average Interest Rate6.625%
Effective Tax Rate0.92%
Median Tax Paid$939/yr
Tax Growth (Historical)+2.6%
Based on 2 regional loans totaling $180,000 (HMDA database).
$
%

$35,100 down · $114,900 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$115 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,063/mo

  • Principal & Interest$749
  • Property Tax$115
  • Home Insurance$150
  • FHA MIP$49
Amortization · Remaining Balance

Financed Loan Amount

$116,911

Total Interest

$152,722

Total of Payments

$269,632

*Includes financed FHA Upfront MIP of $2,011

Local Market Insights

Dickens County FHA Mortgage Overview

In Dickens County, the typical FHA buyer puts down 23.44%, which is well above the 3.5% minimum. This substantial equity, reflected in a low 76.56% LTV, reduces lender risk but does not eliminate the mandatory Mortgage Insurance Premium (MIP) required for the life of the loan—a key factor when evaluating an FHA loan with PMI and taxes in Dickens County, TX. The 0.92% property tax rate, adjusted upward by 2.6% for inflation, adds roughly $115 per month to the $150,000 home. For buyers comparing Dickens County FHA mortgage options with property taxes, this total monthly cost is critical. All loans here reflect primary residences, 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.