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Bethel 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 Bethel Census Area, Alaska based on real HMDA transaction records.

Loan Details

Bethel Census Area, AK Benchmarks

FHA averages
Typical Property Value$417,353
Average Down Payment9.6%
Average Interest Rate6.349%
Effective Tax Rate%
Median Tax Paid$199/yr
Tax Growth (Historical)%
Based on 17 regional loans totaling $6,365,000 (HMDA database).
$
%

$40,066 down · $377,287 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$383 / month

$

Annual premium

$

Per month

%

$160 / month

Estimated Monthly Payment

$3,081/mo

  • Principal & Interest$2,389
  • Property Tax$383
  • Home Insurance$150
  • FHA MIP$160
Amortization · Remaining Balance

Financed Loan Amount

$383,890

Total Interest

$476,042

Total of Payments

$859,931

*Includes financed FHA Upfront MIP of $6,603

Local Market Insights

Bethel Census Area FHA Mortgage Overview

In Bethel Census Area, the typical FHA buyer puts 9.55% down on a $417,353 property—well below the 20% threshold—with a 90.45% loan-to-value ratio. This low entry point makes homeownership accessible but locks in mandatory Mortgage Insurance Premiums for the life of the loan, a key factor for those with sub-620 credit. Since 100% of purchases are owner-occupied, this data reflects primary residence demand. With property tax data unavailable, buyers should use an FHA loan with PMI and taxes in Bethel Census Area, AK to estimate true monthly costs, though the 6.349% rate and inflation-adjusted tax change remain uncertain.

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.