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Upshur County FHA Loan Calculator

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

Loan Details

Upshur County, WV Benchmarks

FHA averages
Typical Property Value$200,323
Average Down Payment13.8%
Average Interest Rate6.560%
Effective Tax Rate0.39%
Median Tax Paid$717/yr
Tax Growth (Historical)-0.6%
Based on 62 regional loans totaling $10,030,000 (HMDA database).
$
%

$27,645 down · $172,678 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$65 / month

$

Annual premium

$

Per month

%

$73 / month

Estimated Monthly Payment

$1,406/mo

  • Principal & Interest$1,117
  • Property Tax$65
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$175,700

Total Interest

$226,595

Total of Payments

$402,295

*Includes financed FHA Upfront MIP of $3,022

Local Market Insights

Upshur County FHA Mortgage Overview

For Upshur County homebuyers using an FHA loan, the 13.80% down payment and 86.20% LTV ratio provide accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with sub-620 credit scores. The effective property tax rate of 0.39% coupled with a -0.6% inflation-adjusted tax shift keeps monthly costs low, improving true affordability when evaluating an FHA loan with PMI and taxes in Upshur County, WV. All loans here reflect owner-occupied primary residences, not investments.

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.