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Refugio County Conventional Mortgage Calculator

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

Loan Details

Refugio County, TX Benchmarks

Conventional averages
Typical Property Value$229,848
Average Down Payment16.3%
Average Interest Rate7.110%
Effective Tax Rate1.09%
Median Tax Paid$1,458/yr
Tax Growth (Historical)+6.7%
Based on 67 regional loans totaling $10,015,000 (HMDA database).
$
%

$37,465 down · $192,383 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$209 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,733/mo

  • Principal & Interest$1,294
  • Property Tax$209
  • Home Insurance$150
  • PMI$80
Amortization · Remaining Balance

Loan Amount

$192,383

Total Interest

$273,519

Total of Payments

$465,902

Local Market Insights

Refugio County Conventional Mortgage Overview

In Refugio County, the typical conventional homebuyer puts down 16.32% on a $229,848 property, a strong equity position that signals solid credit and avoids mandatory private mortgage insurance (PMI) at closing. With an 83.68% loan-to-value ratio, you are just 3.32% away from the 20% equity threshold needed to formally request PMI cancellation. The effective property tax rate of 1.09%, combined with a recent 6.7% inflation-adjusted increase, adds roughly $209 to your monthly obligation. This makes a conventional mortgage calculator with PMI and taxes in Refugio County, Texas, essential for true affordability planning, especially as the 7.11% interest rate amplifies the tax shift's impact.

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.