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Hutchinson County FHA Loan Calculator

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

Loan Details

Hutchinson County, TX Benchmarks

FHA averages
Typical Property Value$188,647
Average Down Payment5.4%
Average Interest Rate6.445%
Effective Tax Rate1.45%
Median Tax Paid$1,602/yr
Tax Growth (Historical)+2.6%
Based on 85 regional loans totaling $14,875,000 (HMDA database).
$
%

$10,187 down · $178,460 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$228 / month

$

Annual premium

$

Per month

%

$76 / month

Estimated Monthly Payment

$1,595/mo

  • Principal & Interest$1,142
  • Property Tax$228
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$181,583

Total Interest

$229,452

Total of Payments

$411,035

*Includes financed FHA Upfront MIP of $3,123

Local Market Insights

Hutchinson County FHA Mortgage Overview

In Hutchinson County, the 5.43% FHA down payment and 94.57% LTV ratio provide accessible entry for owner-occupants, though FHA MIP remains for the loan’s life—ideal for those with sub-620 credit. With a $188,647 average property value and 6.445% rate, true monthly affordability is impacted by the 1.45% effective property tax rate and a 2.6% inflation-adjusted tax increase. For a complete Hutchinson County FHA loan analysis with PMI and taxes, this data highlights the critical weight of property taxes in your long-term budget.

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.