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Warren County FHA Loan Calculator

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

Loan Details

Warren County, VA Benchmarks

FHA averages
Typical Property Value$392,545
Average Down Payment13.0%
Average Interest Rate6.329%
Effective Tax Rate0.52%
Median Tax Paid$1,819/yr
Tax Growth (Historical)-4.6%
Based on 224 regional loans totaling $74,690,000 (HMDA database).
$
%

$51,031 down · $341,514 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$170 / month

$

Annual premium

$

Per month

%

$145 / month

Estimated Monthly Payment

$2,623/mo

  • Principal & Interest$2,158
  • Property Tax$170
  • Home Insurance$150
  • FHA MIP$145
Amortization · Remaining Balance

Financed Loan Amount

$347,491

Total Interest

$429,271

Total of Payments

$776,762

*Includes financed FHA Upfront MIP of $5,976

Local Market Insights

Warren County FHA Mortgage Overview

For Warren County homebuyers using an FHA loan, the 12.96% weighted average down payment on a $392,544 property provides accessible entry. However, with a median 87.04% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan, regardless of this down payment—ideal for those with sub-620 credit. The effective property tax rate of 0.52% is modest, and the recent inflation-adjusted tax change of -4.6% lowers monthly affordability further. When evaluating an FHA loan with PMI and taxes in Warren County, VA, remember that the 6.329% interest rate and MIP costs are permanent, unlike conventional loans where PMI can be canceled. This data reflects 100% owner-occupied purchases, not investment properties.

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.