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York County FHA Loan Calculator

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

Loan Details

York County, VA Benchmarks

FHA averages
Typical Property Value$411,815
Average Down Payment11.0%
Average Interest Rate6.169%
Effective Tax Rate0.63%
Median Tax Paid$2,794/yr
Tax Growth (Historical)+1.3%
Based on 157 regional loans totaling $55,255,000 (HMDA database).
$
%

$45,300 down · $366,515 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$216 / month

$

Annual premium

$

Per month

%

$155 / month

Estimated Monthly Payment

$2,798/mo

  • Principal & Interest$2,277
  • Property Tax$216
  • Home Insurance$150
  • FHA MIP$155
Amortization · Remaining Balance

Financed Loan Amount

$372,929

Total Interest

$446,726

Total of Payments

$819,656

*Includes financed FHA Upfront MIP of $6,414

Local Market Insights

York County FHA Mortgage Overview

York County’s FHA market shows a strategic entry point for owner-occupants. The 11.01% down payment and 88.99% LTV ratio provide accessible financing, but FHA loans require mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for buyers with sub-620 credit. The 0.63% property tax rate, with a 1.3% inflation-adjusted shift, adds modest monthly cost. When evaluating a York County FHA loan with PMI and taxes, the effective property tax rate keeps long-term affordability stable, though MIP is a permanent fixture in this primary occupancy market.

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.