Kimble County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Kimble County, TX Benchmarks

FHA averages

Typical Property Value$235,000

Average Down Payment3.9%

Average Interest Rate6.583%

Effective Tax Rate0.88%

Median Tax Paid$2,559/yr

Tax Growth (Historical)+14.2%

Based on 5 regional loans totaling $1,125,000 (HMDA database).

Home Price

Down Payment

$9,165 down · $225,835 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

$172 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$105 / month

Estimated Monthly Payment

$1,892/mo

Principal & Interest$1,465
Property Tax$172
Home Insurance$150
FHA MIP$105

Amortization · Remaining Balance

Financed Loan Amount

$229,787

Total Interest

$297,441

Total of Payments

$527,228

*Includes financed FHA Upfront MIP of $3,952

Local Market Insights

Kimble County FHA Mortgage Overview

For Kimble County homebuyers, the FHA loan’s 3.86% down payment offers accessible entry, but the 96.14% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for those with sub-620 credit. The effective 0.88% property tax rate, combined with a 14.2% inflation-adjusted tax increase, significantly impacts monthly affordability. When evaluating a Kimble County FHA loan with PMI and taxes, this tax shift raises true costs. All data reflects 100% primary occupancy, not investment properties.

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.