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Madera County FHA Loan Calculator

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

Loan Details

Madera County, CA Benchmarks

FHA averages
Typical Property Value$429,478
Average Down Payment7.3%
Average Interest Rate5.858%
Effective Tax Rate0.69%
Median Tax Paid$2,756/yr
Tax Growth (Historical)+3.8%
Based on 1,025 regional loans totaling $405,775,000 (HMDA database).
$
%

$31,352 down · $398,126 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$247 / month

$

Annual premium

$

Per month

%

$169 / month

Estimated Monthly Payment

$2,958/mo

  • Principal & Interest$2,392
  • Property Tax$247
  • Home Insurance$150
  • FHA MIP$169
Amortization · Remaining Balance

Financed Loan Amount

$405,093

Total Interest

$456,170

Total of Payments

$861,263

*Includes financed FHA Upfront MIP of $6,967

Local Market Insights

Madera County FHA Mortgage Overview

In Madera County, the typical FHA homebuyer places just 7.30% down, which provides accessible entry but mandates Mortgage Insurance Premiums (MIP) for the life of the loan—a key factor for those with sub-620 credit. With a high 92.70% loan-to-value ratio and 100% owner-occupied properties, this market favors low upfront cash over long-term equity building. The effective property tax rate of 0.69% is modest, but the 3.8% inflation-adjusted tax increase adds to monthly affordability concerns. When using an FHA loan calculator with PMI and taxes in Madera County, CA, or reviewing Madera County FHA loan limits, note that the $429,478 average property value combined with the 5.858% rate means monthly payments will rise due to mandatory MIP and the recent tax shift.

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.