Harrison County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Harrison County, TX Benchmarks

FHA averages

Typical Property Value$242,921

Average Down Payment4.6%

Average Interest Rate6.520%

Effective Tax Rate0.96%

Median Tax Paid$1,758/yr

Tax Growth (Historical)-5.8%

Based on 202 regional loans totaling $46,660,000 (HMDA database).

Home Price

Down Payment

$11,174 down · $231,747 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

$194 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$108 / month

Estimated Monthly Payment

$1,946/mo

Principal & Interest$1,494
Property Tax$194
Home Insurance$150
FHA MIP$108

Amortization · Remaining Balance

Financed Loan Amount

$235,802

Total Interest

$301,870

Total of Payments

$537,672

*Includes financed FHA Upfront MIP of $4,056

Local Market Insights

Harrison County FHA Mortgage Overview

In Harrison County, an FHA loan with a 4.59% down payment on a $242,921 property provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, ideal for buyers with sub-620 credit. The 95.41% median Loan-to-Value ratio confirms this profile. The 0.96% effective property tax rate, with a recent -5.8% inflation-adjusted tax change, slightly eases monthly costs. For an FHA loan calculator with PMI and taxes in Harrison County, TX, this lower tax burden improves true affordability. Understanding Harrison County FHA loan limits and tax calculator inputs is key for accurate budgeting.

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.