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Lamoille County FHA Loan Calculator

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

Loan Details

Lamoille County, VT Benchmarks

FHA averages
Typical Property Value$348,514
Average Down Payment14.7%
Average Interest Rate6.470%
Effective Tax Rate1.39%
Median Tax Paid$4,785/yr
Tax Growth (Historical)-2.7%
Based on 37 regional loans totaling $10,635,000 (HMDA database).
$
%

$51,232 down · $297,282 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$404 / month

$

Annual premium

$

Per month

%

$126 / month

Estimated Monthly Payment

$2,586/mo

  • Principal & Interest$1,906
  • Property Tax$404
  • Home Insurance$150
  • FHA MIP$126
Amortization · Remaining Balance

Financed Loan Amount

$302,485

Total Interest

$383,656

Total of Payments

$686,141

*Includes financed FHA Upfront MIP of $5,202

Local Market Insights

Lamoille County FHA Mortgage Overview

For Lamoille County homebuyers, the 14.68% average down payment on FHA loans provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity, making this ideal for those with sub-620 credit. With an 85.32% loan-to-value ratio and full owner-occupancy, this market prioritizes affordability over equity building. The 1.39% effective property tax rate, combined with a -2.7% inflation-adjusted tax decrease, offers slight monthly relief. When evaluating an FHA loan with PMI and taxes in Lamoille County, VT, the $348,513 average property value and 6.47% interest rate mean monthly costs are heavily influenced by mandatory MIP, not just the down payment.

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.