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Houston County FHA Loan Calculator

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

Loan Details

Houston County, TX Benchmarks

FHA averages
Typical Property Value$200,000
Average Down Payment4.8%
Average Interest Rate6.559%
Effective Tax Rate0.75%
Median Tax Paid$1,387/yr
Tax Growth (Historical)-5.8%
Based on 42 regional loans totaling $7,960,000 (HMDA database).
$
%

$9,600 down · $190,400 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$125 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,596/mo

  • Principal & Interest$1,232
  • Property Tax$125
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$193,732

Total Interest

$249,850

Total of Payments

$443,582

*Includes financed FHA Upfront MIP of $3,332

Local Market Insights

Houston County FHA Mortgage Overview

For Houston County homebuyers, the 4.80% weighted average down payment on an FHA loan provides accessible entry into a $200,000 market. However, with a 95.20% Loan-to-Value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan, making this structure ideal for those with sub-620 credit scores seeking an FHA loan down payment option. The 0.75% effective property tax rate, combined with a recent -5.8% inflation-adjusted tax cut, slightly improves monthly affordability. When evaluating an FHA mortgage with property taxes, the 6.559% interest rate and permanent MIP must be factored into true costs, especially as 100% of buyers are owner-occupants rather than investors.

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.