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Aleutians West Census Area FHA Loan Calculator

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

Loan Details

Aleutians West Census Area, AK Benchmarks

FHA averages
Typical Property Value$455,000
Average Down Payment7.5%
Average Interest Rate6.438%
Effective Tax Rate0.70%
Median Tax Paid$3,090/yr
Tax Growth (Historical)+1.0%
Based on 3 regional loans totaling $1,265,000 (HMDA database).
$
%

$34,125 down · $420,875 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$265 / month

$

Annual premium

$

Per month

%

$178 / month

Estimated Monthly Payment

$3,284/mo

  • Principal & Interest$2,690
  • Property Tax$265
  • Home Insurance$150
  • FHA MIP$178
Amortization · Remaining Balance

Financed Loan Amount

$428,240

Total Interest

$540,122

Total of Payments

$968,362

*Includes financed FHA Upfront MIP of $7,365

Local Market Insights

Aleutians West Census Area FHA Mortgage Overview

In the Aleutians West Census Area, the 7.47% average down payment on an FHA loan provides accessible entry for buyers, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. With a 92.53% loan-to-value ratio and 100% primary occupancy, this data reflects owner-occupied buyers. The 0.70% effective property tax rate, with a 1.0% inflation-adjusted increase, impacts monthly affordability. For those using an FHA loan with PMI and taxes in Aleutians West Census Area, AK, this structure suits buyers with sub-620 credit scores seeking lower upfront costs.

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.