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Box Elder County FHA Loan Calculator

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

Loan Details

Box Elder County, UT Benchmarks

FHA averages
Typical Property Value$426,946
Average Down Payment7.4%
Average Interest Rate6.026%
Effective Tax Rate0.47%
Median Tax Paid$1,966/yr
Tax Growth (Historical)+4.3%
Based on 442 regional loans totaling $170,890,000 (HMDA database).
$
%

$31,594 down · $395,352 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$168 / month

Estimated Monthly Payment

$2,904/mo

  • Principal & Interest$2,420
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$168
Amortization · Remaining Balance

Financed Loan Amount

$402,271

Total Interest

$468,778

Total of Payments

$871,049

*Includes financed FHA Upfront MIP of $6,919

Local Market Insights

Box Elder County FHA Mortgage Overview

In Box Elder County, the 7.44% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life due to the 92.56% Loan-to-Value ratio. This data reflects 100% owner-occupied purchases, not investments. The 0.47% effective property tax rate is modest, yet the 4.3% inflation-adjusted tax increase will raise true monthly costs for Box Elder County FHA mortgage payments. When assessing Box Elder County FHA loan limits and property taxes, buyers should factor in this tax shift alongside MIP 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.