Liberty County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Liberty County, TX Benchmarks

FHA averages

Typical Property Value$294,895

Average Down Payment5.1%

Average Interest Rate5.923%

Effective Tax Rate1.20%

Median Tax Paid$2,133/yr

Tax Growth (Historical)-1.0%

Based on 761 regional loans totaling $215,055,000 (HMDA database).

Home Price

Down Payment

$15,040 down · $279,855 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

$295 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$119 / month

Estimated Monthly Payment

$2,256/mo

Principal & Interest$1,693
Property Tax$295
Home Insurance$150
FHA MIP$119

Amortization · Remaining Balance

Financed Loan Amount

$284,753

Total Interest

$324,590

Total of Payments

$609,343

*Includes financed FHA Upfront MIP of $4,897

Local Market Insights

Liberty County FHA Mortgage Overview

For Liberty County homebuyers using an FHA loan with a 5.12% down payment on an average $294,895 property, the 94.88% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for those with sub-620 credit. The 1.20% property tax rate, recently adjusted -1.0% for inflation, slightly lowers monthly costs. When evaluating an FHA loan calculator with PMI and taxes in Liberty County, TX, or an FHA loan down payment calculator in Liberty County, Texas, note that this low entry point prioritizes accessibility over long-term MIP avoidance. All data reflects owner-occupied primary residences.

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.