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Contra Costa County FHA Loan Calculator

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

Loan Details

Contra Costa County, CA Benchmarks

FHA averages
Typical Property Value$672,569
Average Down Payment9.6%
Average Interest Rate6.103%
Effective Tax Rate0.78%
Median Tax Paid$7,156/yr
Tax Growth (Historical)+0.6%
Based on 1,840 regional loans totaling $1,086,680,000 (HMDA database).
$
%

$64,567 down · $608,002 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$437 / month

$

Annual premium

$

Per month

%

$258 / month

Estimated Monthly Payment

$4,594/mo

  • Principal & Interest$3,749
  • Property Tax$437
  • Home Insurance$150
  • FHA MIP$258
Amortization · Remaining Balance

Financed Loan Amount

$618,642

Total Interest

$730,976

Total of Payments

$1,349,619

*Includes financed FHA Upfront MIP of $10,640

Local Market Insights

Contra Costa County FHA Mortgage Overview

For Contra Costa County homebuyers, the 9.55% average down payment on FHA loans provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life regardless of equity. The 90.45% Loan-to-Value ratio confirms this high-leverage, owner-occupied market. With a 0.78% property tax rate and a 0.6% inflation-adjusted increase, monthly affordability is pressured. When evaluating an FHA loan with PMI and taxes in Contra Costa County, CA, or using an FHA down payment tool, factor in these costs against the $672,569 average value and 6.103% interest rate to understand true local burdens.

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.