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Hamilton County FHA Loan Calculator

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

Loan Details

Hamilton County, TX Benchmarks

FHA averages
Typical Property Value$298,571
Average Down Payment8.8%
Average Interest Rate6.509%
Effective Tax Rate0.81%
Median Tax Paid$1,863/yr
Tax Growth (Historical)-5.8%
Based on 14 regional loans totaling $3,140,000 (HMDA database).
$
%

$26,274 down · $272,297 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$202 / month

$

Annual premium

$

Per month

%

$115 / month

Estimated Monthly Payment

$2,220/mo

  • Principal & Interest$1,753
  • Property Tax$202
  • Home Insurance$150
  • FHA MIP$115
Amortization · Remaining Balance

Financed Loan Amount

$277,062

Total Interest

$354,033

Total of Payments

$631,095

*Includes financed FHA Upfront MIP of $4,765

Local Market Insights

Hamilton County FHA Mortgage Overview

In Hamilton County, the FHA loan data reveals an accessible entry point for owner-occupants. With an average 8.79% down payment and a 91.21% loan-to-value ratio, buyers benefit from a lower barrier to entry. However, this requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of equity. The effective property tax rate of 0.81% is manageable, and the recent inflation-adjusted tax change of -5.8% improves monthly affordability. For context on Hamilton County FHA loan limits and tax impacts, this combination of low down payment and reduced tax burden makes it ideal for buyers with sub-620 credit scores seeking a primary residence.

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.