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Plumas County FHA Loan Calculator

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

Loan Details

Plumas County, CA Benchmarks

FHA averages
Typical Property Value$329,023
Average Down Payment10.6%
Average Interest Rate6.188%
Effective Tax Rate0.69%
Median Tax Paid$2,537/yr
Tax Growth (Historical)+4.3%
Based on 87 regional loans totaling $24,475,000 (HMDA database).
$
%

$34,876 down · $294,147 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$189 / month

$

Annual premium

$

Per month

%

$125 / month

Estimated Monthly Payment

$2,295/mo

  • Principal & Interest$1,831
  • Property Tax$189
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$299,294

Total Interest

$359,917

Total of Payments

$659,211

*Includes financed FHA Upfront MIP of $5,148

Local Market Insights

Plumas County FHA Mortgage Overview

In Plumas County, the typical FHA buyer puts down 10.55%, creating an accessible entry point but locking in mandatory Mortgage Insurance Premiums (MIP) for the life of the loan due to the 89.45% loan-to-value ratio. This structure is ideal for owner-occupants with sub-620 credit scores using an FHA loan down payment approach. The effective property tax rate of 0.69% is modest, but the 4.3% inflation-adjusted tax increase raises true monthly costs. When evaluating an FHA mortgage with property taxes in Plumas County, CA, note that the 6.188% rate combined with lifetime MIP and rising taxes requires buyers to budget carefully for long-term 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.