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Hudspeth County FHA Loan Calculator

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

Loan Details

Hudspeth County, TX Benchmarks

FHA averages
Typical Property Value$266,176
Average Down Payment2.9%
Average Interest Rate6.231%
Effective Tax Rate0.95%
Median Tax Paid$801/yr
Tax Growth (Historical)+14.8%
Based on 17 regional loans totaling $4,425,000 (HMDA database).
$
%

$7,719 down · $258,457 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$211 / month

$

Annual premium

$

Per month

%

$121 / month

Estimated Monthly Payment

$2,097/mo

  • Principal & Interest$1,616
  • Property Tax$211
  • Home Insurance$150
  • FHA MIP$121
Amortization · Remaining Balance

Financed Loan Amount

$262,980

Total Interest

$318,706

Total of Payments

$581,686

*Includes financed FHA Upfront MIP of $4,523

Local Market Insights

Hudspeth County FHA Mortgage Overview

In Hudspeth County, the 2.89% weighted average down payment on FHA loans highlights exceptional accessibility for first-time buyers. With a 97.11% LTV ratio, buyers leverage maximum financing, but the FHA requires Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. This market is entirely owner-occupied, indicating low investor risk. The 0.95% effective property tax rate, combined with a 14.8% inflation-adjusted increase, significantly impacts monthly affordability. When analyzing a Hudspeth County FHA loan with PMI and taxes, the low entry cost is offset by permanent MIP and rising tax burdens, making long-term cost projections essential for budget planning.

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.