Pima County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Pima County, AZ Benchmarks

FHA averages

Typical Property Value$333,417

Average Down Payment8.2%

Average Interest Rate5.859%

Effective Tax Rate0.70%

Median Tax Paid$2,272/yr

Tax Growth (Historical)-2.0%

Based on 5,125 regional loans totaling $1,537,195,000 (HMDA database).

Home Price

Down Payment

$27,340 down · $306,077 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$194 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$130 / month

Estimated Monthly Payment

$2,314/mo

Principal & Interest$1,839
Property Tax$194
Home Insurance$150
FHA MIP$130

Amortization · Remaining Balance

Financed Loan Amount

$311,433

Total Interest

$350,701

Total of Payments

$662,134

*Includes financed FHA Upfront MIP of $5,356

Local Market Insights

Pima County FHA Mortgage Overview

Pima County FHA buyers are leveraging the low 8.17% down payment for accessible entry, but the 91.83% LTV triggers mandatory MIP for the loan’s life—ideal for those with sub-620 credit. The 0.70% effective tax rate, with a -2.0% inflation-adjusted decline, modestly improves monthly affordability for an FHA mortgage with PMI and taxes. This data reflects 100% owner-occupied purchases, not investors.

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.