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Imperial County FHA Loan Calculator

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

Loan Details

Imperial County, CA Benchmarks

FHA averages
Typical Property Value$393,563
Average Down Payment8.3%
Average Interest Rate6.291%
Effective Tax Rate0.83%
Median Tax Paid$2,394/yr
Tax Growth (Historical)-1.1%
Based on 705 regional loans totaling $247,445,000 (HMDA database).
$
%

$32,666 down · $360,897 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$272 / month

$

Annual premium

$

Per month

%

$153 / month

Estimated Monthly Payment

$2,846/mo

  • Principal & Interest$2,271
  • Property Tax$272
  • Home Insurance$150
  • FHA MIP$153
Amortization · Remaining Balance

Financed Loan Amount

$367,213

Total Interest

$450,187

Total of Payments

$817,400

*Includes financed FHA Upfront MIP of $6,316

Local Market Insights

Imperial County FHA Mortgage Overview

For Imperial County homebuyers using an FHA loan, the 8.25% weighted average down payment provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life. The 91.75% median Loan-to-Value ratio confirms low equity, and with 100% primary occupancy, this data reflects owner-occupants. The 0.83% effective property tax rate, combined with a recent -1.1% inflation-adjusted tax change, slightly lowers monthly costs. When evaluating an FHA mortgage with property taxes in Imperial County, CA, remember the interest rate averages 6.291% on a $393,563 property, making the down payment and ongoing MIP key affordability factors.

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.