Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Texas>Refugio County (FHA)

Refugio County FHA Loan Calculator

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

Loan Details

Refugio County, TX Benchmarks

FHA averages
Typical Property Value$220,000
Average Down Payment6.1%
Average Interest Rate6.432%
Effective Tax Rate1.09%
Median Tax Paid$1,458/yr
Tax Growth (Historical)+6.7%
Based on 22 regional loans totaling $4,550,000 (HMDA database).
$
%

$13,420 down · $206,580 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$200 / month

$

Annual premium

$

Per month

%

$88 / month

Estimated Monthly Payment

$1,756/mo

  • Principal & Interest$1,319
  • Property Tax$200
  • Home Insurance$150
  • FHA MIP$88
Amortization · Remaining Balance

Financed Loan Amount

$210,195

Total Interest

$264,614

Total of Payments

$474,809

*Includes financed FHA Upfront MIP of $3,615

Local Market Insights

Refugio County FHA Mortgage Overview

Refugio County’s FHA data reveals an accessible market for primary residence buyers, with a 6.08% down payment and a 93.92% loan-to-value ratio. This low entry point, ideal for those with sub-620 credit, comes with mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, a key factor when using an FHA loan calculator with PMI and taxes in Refugio County, TX. The effective property tax rate of 1.09% is manageable, but the recent 6.7% inflation-adjusted increase adds over $160 annually to the average $220,000 property. For true monthly affordability, an FHA loan down payment calculator in Refugio County, Texas must account for this rising tax burden alongside MIP. Understanding Refugio County FHA loan limits and tax implications is critical for accurate 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.