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Pecos County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Pecos County, TX Benchmarks

FHA averages
Typical Property Value$263,182
Average Down Payment4.6%
Average Interest Rate6.652%
Effective Tax Rate0.80%
$
%

$12,106 down · $251,076 financed

Estimated Monthly Payment

$2,083/mo

  • Principal & Interest$1,640
  • Property Tax$175
  • Home Insurance$150
  • FHA MIP$117
Amortization · Remaining Balance

Financed Loan Amount

$255,469

Total Interest

$334,939

Total of Payments

$590,409

*Includes financed FHA Upfront MIP of $4,394

Local Market Insights

Pecos County FHA Mortgage Overview

In Pecos County, the average FHA buyer puts just 4.59% down on a $263,182 home, leveraging a 95.41% loan-to-value ratio. This low barrier to entry is ideal for first-time buyers, but remember FHA mortgage insurance (MIP) is required for the life of the loan—unlike conventional loans where PMI can be dropped. The effective property tax rate of 0.80% is manageable, yet a recent 12.1% inflation-adjusted tax increase adds roughly $30 monthly to true affordability. For those exploring Pecos County FHA loan limits and tax impacts, this data confirms that while down payments are accessible, the combination of lifetime MIP and rising taxes requires careful budgeting.

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.