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Sonoma County FHA Loan Calculator

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

Loan Details

Sonoma County, CA Benchmarks

FHA averages
Typical Property Value$705,878
Average Down Payment9.5%
Average Interest Rate6.116%
Effective Tax Rate0.65%
Median Tax Paid$5,695/yr
Tax Growth (Historical)-1.0%
Based on 501 regional loans totaling $308,665,000 (HMDA database).
$
%

$67,058 down · $638,820 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$382 / month

$

Annual premium

$

Per month

%

$271 / month

Estimated Monthly Payment

$4,751/mo

  • Principal & Interest$3,947
  • Property Tax$382
  • Home Insurance$150
  • FHA MIP$271
Amortization · Remaining Balance

Financed Loan Amount

$649,999

Total Interest

$771,051

Total of Payments

$1,421,050

*Includes financed FHA Upfront MIP of $11,179

Local Market Insights

Sonoma County FHA Mortgage Overview

Sonoma County’s FHA market shows accessible entry with a 9.53% down payment and a 90.47% loan-to-value ratio, ideal for owner-occupants. However, this low down payment triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, a key factor for buyers using an FHA loan calculator with PMI and taxes in Sonoma County, CA. The 0.65% effective property tax rate and a -1.0% inflation-adjusted tax change slightly improve monthly affordability. For those exploring Sonoma County FHA loan limits and tax considerations, this data confirms FHA remains a strong option for primary residences, even with permanent MIP.

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.