Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Utah>Carbon County (FHA)

Carbon County FHA Loan Calculator

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

Loan Details

Carbon County, UT Benchmarks

FHA averages
Typical Property Value$282,267
Average Down Payment8.5%
Average Interest Rate6.380%
Effective Tax Rate0.62%
Median Tax Paid$1,394/yr
Tax Growth (Historical)+5.0%
Based on 173 regional loans totaling $42,675,000 (HMDA database).
$
%

$23,993 down · $258,274 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$146 / month

$

Annual premium

$

Per month

%

$109 / month

Estimated Monthly Payment

$2,046/mo

  • Principal & Interest$1,640
  • Property Tax$146
  • Home Insurance$150
  • FHA MIP$109
Amortization · Remaining Balance

Financed Loan Amount

$262,794

Total Interest

$327,733

Total of Payments

$590,527

*Includes financed FHA Upfront MIP of $4,520

Local Market Insights

Carbon County FHA Mortgage Overview

For Carbon County homebuyers, the 8.53% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity. The 91.47% loan-to-value ratio confirms this is a low-down-payment market, ideal for those with sub-620 credit. Property taxes at 0.62% are modest, yet the recent 5.0% inflation-adjusted increase will raise monthly costs. When evaluating an FHA loan with PMI and taxes in Carbon County, UT, remember the effective tax rate and MIP directly impact true affordability for these owner-occupied homes.

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.