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Travis County FHA Loan Calculator

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

Loan Details

Travis County, TX Benchmarks

FHA averages
Typical Property Value$378,484
Average Down Payment6.2%
Average Interest Rate5.534%
Effective Tax Rate1.31%
Median Tax Paid$7,727/yr
Tax Growth (Historical)+0.1%
Based on 2,174 regional loans totaling $780,810,000 (HMDA database).
$
%

$23,466 down · $355,018 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$413 / month

$

Annual premium

$

Per month

%

$151 / month

Estimated Monthly Payment

$2,772/mo

  • Principal & Interest$2,058
  • Property Tax$413
  • Home Insurance$150
  • FHA MIP$151
Amortization · Remaining Balance

Financed Loan Amount

$361,231

Total Interest

$379,589

Total of Payments

$740,820

*Includes financed FHA Upfront MIP of $6,213

Local Market Insights

Travis County FHA Mortgage Overview

In Travis County, the 6.18% average down payment for FHA loans provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. The 93.82% loan-to-value ratio confirms this, ideal for buyers with sub-620 credit seeking primary residences. With a 1.31% effective property tax rate and a 0.1% inflation-adjusted increase, monthly affordability is directly impacted. For accurate budgeting using an FHA loan calculator with PMI and taxes in Travis County, TX, or an FHA mortgage calculator with property taxes, these fixed costs are critical. Understanding Travis County FHA loan limits and tax calculator inputs helps assess true monthly costs.

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.