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Duchesne County FHA Loan Calculator

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

Loan Details

Duchesne County, UT Benchmarks

FHA averages
Typical Property Value$337,672
Average Down Payment9.5%
Average Interest Rate6.078%
Effective Tax Rate0.56%
Median Tax Paid$1,742/yr
Tax Growth (Historical)+4.9%
Based on 116 regional loans totaling $34,190,000 (HMDA database).
$
%

$32,079 down · $305,593 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$158 / month

$

Annual premium

$

Per month

%

$130 / month

Estimated Monthly Payment

$2,317/mo

  • Principal & Interest$1,880
  • Property Tax$158
  • Home Insurance$150
  • FHA MIP$130
Amortization · Remaining Balance

Financed Loan Amount

$310,941

Total Interest

$365,957

Total of Payments

$676,898

*Includes financed FHA Upfront MIP of $5,348

Local Market Insights

Duchesne County FHA Mortgage Overview

In Duchesne County, the FHA loan data reveals an accessible entry point for owner-occupants, with a 9.46% down payment and a 90.54% loan-to-value ratio. This low down payment, however, mandates Mortgage Insurance Premiums (MIP) for the loan's life, a key factor for any Duchesne County FHA mortgage analysis. The 0.56% property tax rate, adjusted upward by 4.9% for inflation, adds roughly $158 monthly to the 6.078% interest payment. For buyers evaluating FHA loan limits and tax impacts, this combination makes monthly affordability highly sensitive to the permanent MIP cost.

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.