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Cochise County FHA Loan Calculator

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

Loan Details

Cochise County, AZ Benchmarks

FHA averages
Typical Property Value$250,594
Average Down Payment10.7%
Average Interest Rate6.367%
Effective Tax Rate0.61%
Median Tax Paid$1,310/yr
Tax Growth (Historical)-4.1%
Based on 589 regional loans totaling $127,945,000 (HMDA database).
$
%

$26,814 down · $223,780 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$127 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,792/mo

  • Principal & Interest$1,420
  • Property Tax$127
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$227,697

Total Interest

$283,426

Total of Payments

$511,123

*Includes financed FHA Upfront MIP of $3,916

Local Market Insights

Cochise County FHA Mortgage Overview

For Cochise County homebuyers, the 10.74% average down payment on an FHA loan provides accessible entry, but understand that the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life, regardless of equity built. The 89.26% Loan-to-Value ratio confirms this is a low-down-payment market, ideal for those with sub-620 credit scores. When evaluating an FHA loan with PMI and taxes in Cochise County, AZ, the effective 0.61% property tax rate is modest, and the recent -4.1% inflation-adjusted tax change offers slight monthly relief. This data reflects 100% primary residence purchases, making the Cochise County FHA loan limits and tax considerations crucial for true affordability.

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.