San Patricio County FHA Loan Calculator

For San Patricio County homebuyers, the 3.74% weighted average down payment confirms FHA’s role as an accessible entry point. With a 96.26% median LTV, you are financing nearly the entire purchase, but remember that FHA’s mandatory Mortgage Insurance Premium (MIP) remains for the life of the loan—ideal if your credit score is below 620. The 1.31% effective property tax rate, adjusted upward by 0.9% for inflation, directly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in San Patricio County, TX, this tax shift adds roughly $20–$30 per month on the average $271,067 property. All data reflects 100% primary occupancy, so these trends apply to owner-occupants, not investors.