Sutter County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Sutter County, CA Benchmarks

FHA averages

Typical Property Value$429,192

Average Down Payment9.0%

Average Interest Rate6.037%

Effective Tax Rate0.78%

Median Tax Paid$3,268/yr

Tax Growth (Historical)+1.9%

Based on 260 regional loans totaling $100,220,000 (HMDA database).

Home Price

Down Payment

$38,627 down · $390,565 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$279 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$166 / month

Estimated Monthly Payment

$2,987/mo

Principal & Interest$2,393
Property Tax$279
Home Insurance$150
FHA MIP$166

Amortization · Remaining Balance

Financed Loan Amount

$397,400

Total Interest

$464,023

Total of Payments

$861,423

*Includes financed FHA Upfront MIP of $6,835

Local Market Insights

Sutter County FHA Mortgage Overview

In Sutter County, the 9.01% down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 90.99% LTV ratio—ideal for buyers with sub-620 credit. The 0.78% effective property tax rate, adjusted upward by 1.9% for inflation, increases true monthly affordability. For those exploring FHA loan limits and tax impacts, this data reflects 100% owner-occupied purchases, not investments.

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.