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Duval County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Duval County, TX Benchmarks

FHA averages
Typical Property Value$210,714
Average Down Payment3.4%
Average Interest Rate6.550%
Effective Tax Rate0.99%
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$1,735/mo

  • Principal & Interest$1,316
  • Property Tax$174
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$207,112

Total Interest

$266,614

Total of Payments

$473,726

*Includes financed FHA Upfront MIP of $3,562

Local Market Insights

Duval County FHA Mortgage Overview

Duval County’s FHA market is defined by extreme accessibility: a 3.39% down payment and 96.61% loan-to-value ratio enable entry for buyers with sub-620 credit scores. However, this low equity means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s entire term—a permanent cost, unlike conventional PMI. The 0.99% effective property tax rate, combined with a 19.6% inflation-adjusted tax increase, significantly raises true monthly affordability. For a $210,714 property, this tax shift adds roughly $40 per month. Buyers using an FHA loan with PMI and taxes in Duval County, TX must budget for this fixed MIP alongside rising local levies, making the down payment easier but long-term ownership more expensive.

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.