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Dawson County Conventional Mortgage Calculator

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

Loan Details

Dawson County, TX Benchmarks

Conventional averages
Typical Property Value$207,093
Average Down Payment18.5%
Average Interest Rate6.558%
Effective Tax Rate1.46%
Median Tax Paid$1,677/yr
Tax Growth (Historical)+3.8%
Based on 43 regional loans totaling $6,045,000 (HMDA database).
$
%

$38,312 down · $168,781 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$252 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,546/mo

  • Principal & Interest$1,073
  • Property Tax$252
  • Home Insurance$150
  • PMI$70
Amortization · Remaining Balance

Loan Amount

$168,781

Total Interest

$217,671

Total of Payments

$386,452

Local Market Insights

Dawson County Conventional Mortgage Overview

In Dawson County, the 18.53% average down payment on a Conventional loan indicates buyers are putting down significant capital, likely to avoid Private Mortgage Insurance (PMI). With an 81.47% Loan-to-Value (LTV) ratio, these homeowners are close to the 20% equity threshold needed to cancel PMI. The 1.46% effective property tax rate, coupled with a 3.8% inflation-adjusted tax increase, meaningfully impacts monthly affordability. For those using a Conventional loan with taxes in Dawson County, TX, this tax shift must be factored into long-term budgets. All data reflects 100% owner-occupied primary residences, not investment properties.

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.