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Windsor County FHA Loan Calculator

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

Loan Details

Windsor County, VT Benchmarks

FHA averages
Typical Property Value$305,211
Average Down Payment14.1%
Average Interest Rate6.428%
Effective Tax Rate1.64%
Median Tax Paid$5,458/yr
Tax Growth (Historical)+0.2%
Based on 95 regional loans totaling $24,215,000 (HMDA database).
$
%

$43,035 down · $262,176 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$417 / month

$

Annual premium

$

Per month

%

$111 / month

Estimated Monthly Payment

$2,352/mo

  • Principal & Interest$1,674
  • Property Tax$417
  • Home Insurance$150
  • FHA MIP$111
Amortization · Remaining Balance

Financed Loan Amount

$266,764

Total Interest

$335,829

Total of Payments

$602,593

*Includes financed FHA Upfront MIP of $4,588

Local Market Insights

Windsor County FHA Mortgage Overview

In Windsor County, the average FHA borrower puts down 14.09% on a $305,210 property, offering accessible entry but requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—critical for those with sub-620 credit scores. The 85.91% loan-to-value ratio confirms this is standard owner-occupied financing. At a 6.428% rate and a 1.64% effective property tax rate, monthly affordability is significant; the recent 0.2% inflation-adjusted tax shift adds a modest but persistent cost. For precise budgeting with an FHA loan and property taxes in Windsor County, VT, understanding these MIP and tax impacts is essential for any homebuyer evaluating FHA loan limits in this 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.