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Cabell County FHA Loan Calculator

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

Loan Details

Cabell County, WV Benchmarks

FHA averages
Typical Property Value$192,781
Average Down Payment9.1%
Average Interest Rate6.589%
Effective Tax Rate0.62%
Median Tax Paid$992/yr
Tax Growth (Historical)-2.7%
Based on 338 regional loans totaling $57,820,000 (HMDA database).
$
%

$17,543 down · $175,238 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$100 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,461/mo

  • Principal & Interest$1,138
  • Property Tax$100
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$178,305

Total Interest

$231,224

Total of Payments

$409,529

*Includes financed FHA Upfront MIP of $3,067

Local Market Insights

Cabell County FHA Mortgage Overview

For Cabell County homebuyers, the 9.05% average down payment on an FHA loan offers accessible entry, but requires a mandatory Mortgage Insurance Premium (MIP) for the loan’s entire life. With a 90.95% loan-to-value ratio, this is ideal for those with credit scores below 620, as the MIP cannot be canceled, unlike conventional PMI. The effective property tax rate is a low 0.62%, and the recent -2.7% inflation-adjusted tax change slightly improves monthly affordability. When evaluating your FHA loan with PMI and taxes in Cabell County, WV, or assessing FHA loan limits, this data confirms a market built for owner-occupied, risk-tolerant buyers.

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.