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Apache County FHA Loan Calculator

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

Loan Details

Apache County, AZ Benchmarks

FHA averages
Typical Property Value$290,658
Average Down Payment14.2%
Average Interest Rate6.342%
Effective Tax Rate0.21%
Median Tax Paid$572/yr
Tax Growth (Historical)-3.3%
Based on 76 regional loans totaling $17,890,000 (HMDA database).
$
%

$41,273 down · $249,385 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$51 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$1,884/mo

  • Principal & Interest$1,577
  • Property Tax$51
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$253,749

Total Interest

$314,064

Total of Payments

$567,813

*Includes financed FHA Upfront MIP of $4,364

Local Market Insights

Apache County FHA Mortgage Overview

In Apache County, the typical FHA homebuyer puts 14.15% down on a $290,658 property, which is well above the 3.5% minimum, reducing the loan amount. However, because this is an FHA loan, the mandatory Mortgage Insurance Premium (MIP) remains for the loan’s life, regardless of this higher equity. The 85.85% loan-to-value ratio confirms this is a standard owner-occupied purchase, not an investment. The effective property tax rate is a low 0.21%, and a recent -3.3% inflation-adjusted tax decrease further improves monthly affordability. For those exploring an FHA loan with PMI and taxes in Apache County, AZ, this low-tax environment offsets the permanent MIP, making the FHA loan down payment structure here particularly accessible for buyers with sub-620 credit.

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.