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Addison County FHA Loan Calculator

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

Loan Details

Addison County, VT Benchmarks

FHA averages
Typical Property Value$389,865
Average Down Payment23.1%
Average Interest Rate6.291%
Effective Tax Rate1.47%
Median Tax Paid$5,690/yr
Tax Growth (Historical)-2.3%
Based on 37 regional loans totaling $10,165,000 (HMDA database).
$
%

$90,059 down · $299,806 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$478 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$2,641/mo

  • Principal & Interest$1,886
  • Property Tax$478
  • Home Insurance$150
  • FHA MIP$127
Amortization · Remaining Balance

Financed Loan Amount

$305,053

Total Interest

$373,981

Total of Payments

$679,034

*Includes financed FHA Upfront MIP of $5,247

Local Market Insights

Addison County FHA Mortgage Overview

For Addison County homebuyers exploring an FHA loan, the 23.09% average down payment exceeds the typical 3.5% minimum, reducing the loan amount but not the mandatory Mortgage Insurance Premium (MIP), which remains for the loan's life regardless of equity. With a 76.91% LTV ratio and 100% owner-occupancy, this data reflects standard primary residences. The 1.47% effective property tax rate, coupled with a -2.3% inflation-adjusted decline, slightly eases monthly affordability. However, when using an FHA mortgage tool with property taxes, the 6.291% average rate and MIP require careful budgeting. Note that Addison County FHA loan limits apply, so verify local caps.

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.