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Jones County FHA Loan Calculator

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

Loan Details

Jones County, TX Benchmarks

FHA averages
Typical Property Value$259,359
Average Down Payment8.9%
Average Interest Rate6.439%
Effective Tax Rate1.20%
Median Tax Paid$1,535/yr
Tax Growth (Historical)+4.5%
Based on 39 regional loans totaling $9,145,000 (HMDA database).
$
%

$23,083 down · $236,276 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$259 / month

$

Annual premium

$

Per month

%

$100 / month

Estimated Monthly Payment

$2,020/mo

  • Principal & Interest$1,510
  • Property Tax$259
  • Home Insurance$150
  • FHA MIP$100
Amortization · Remaining Balance

Financed Loan Amount

$240,411

Total Interest

$303,220

Total of Payments

$543,631

*Includes financed FHA Upfront MIP of $4,135

Local Market Insights

Jones County FHA Mortgage Overview

In Jones County, the typical FHA homebuyer secures a property valued at $259,359 with a 91.11% loan-to-value ratio, reflecting an 8.89% down payment. This low barrier to entry is ideal for buyers with sub-620 credit scores, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan. The effective 1.20% property tax rate, elevated by a 4.5% inflation-adjusted shift, adds roughly $259 monthly to your true housing cost. When exploring an FHA loan with PMI and taxes in Jones County, TX, or reviewing Jones County FHA loan limits and tax implications, this data confirms that while entry is accessible, long-term affordability is significantly shaped by non-removable MIP and rising property taxes.

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.