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Leon County FHA Loan Calculator

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

Loan Details

Leon County, TX Benchmarks

FHA averages
Typical Property Value$223,889
Average Down Payment6.5%
Average Interest Rate6.679%
Effective Tax Rate0.62%
Median Tax Paid$1,283/yr
Tax Growth (Historical)-7.1%
Based on 36 regional loans totaling $7,560,000 (HMDA database).
$
%

$14,553 down · $209,336 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$116 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,726/mo

  • Principal & Interest$1,372
  • Property Tax$116
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$213,000

Total Interest

$280,782

Total of Payments

$493,781

*Includes financed FHA Upfront MIP of $3,663

Local Market Insights

Leon County FHA Mortgage Overview

Leon County’s FHA market reveals a strategic entry point for owner-occupants. With a 6.55% down payment and a 93.45% loan-to-value ratio, buyers gain accessible access, but the mandatory Mortgage Insurance Premium (MIP) remains for the loan’s life—ideal for those with sub-620 credit profiles. The 0.62% effective property tax rate is moderate, and the recent -7.1% inflation-adjusted tax shift provides slight monthly relief. When evaluating an FHA loan with PMI and taxes in Leon County, TX, this low tax burden enhances affordability. For those using an FHA mortgage with property taxes, the 6.679% interest rate and $223,888 average value keep payments manageable, though MIP is a permanent cost.

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.