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San Juan County FHA Loan Calculator

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

Loan Details

San Juan County, UT Benchmarks

FHA averages
Typical Property Value$342,391
Average Down Payment8.5%
Average Interest Rate6.111%
Effective Tax Rate0.39%
Median Tax Paid$1,788/yr
Tax Growth (Historical)+8.2%
Based on 23 regional loans totaling $7,035,000 (HMDA database).
$
%

$29,103 down · $313,288 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$111 / month

$

Annual premium

$

Per month

%

$133 / month

Estimated Monthly Payment

$2,328/mo

  • Principal & Interest$1,934
  • Property Tax$111
  • Home Insurance$150
  • FHA MIP$133
Amortization · Remaining Balance

Financed Loan Amount

$318,770

Total Interest

$377,394

Total of Payments

$696,165

*Includes financed FHA Upfront MIP of $5,483

Local Market Insights

San Juan County FHA Mortgage Overview

For San Juan County homebuyers, the 8.52% average down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. The 91.48% median loan-to-value (LTV) ratio confirms this is a low-down-payment market for primary residences. With a 0.39% effective property tax rate and an 8.2% inflation-adjusted tax shift, monthly affordability is pressured. When evaluating an FHA loan with PMI and taxes in San Juan County, UT, or reviewing San Juan County FHA loan limits and property taxes, remember that the low down payment is offset by permanent MIP and rising tax 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.