Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>California>Yolo County (FHA)

Yolo County FHA Loan Calculator

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

Loan Details

Yolo County, CA Benchmarks

FHA averages
Typical Property Value$530,789
Average Down Payment9.9%
Average Interest Rate6.026%
Effective Tax Rate0.79%
Median Tax Paid$4,749/yr
Tax Growth (Historical)+0.9%
Based on 324 regional loans totaling $150,420,000 (HMDA database).
$
%

$52,548 down · $478,241 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$349 / month

$

Annual premium

$

Per month

%

$203 / month

Estimated Monthly Payment

$3,629/mo

  • Principal & Interest$2,927
  • Property Tax$349
  • Home Insurance$150
  • FHA MIP$203
Amortization · Remaining Balance

Financed Loan Amount

$486,610

Total Interest

$567,062

Total of Payments

$1,053,672

*Includes financed FHA Upfront MIP of $8,369

Local Market Insights

Yolo County FHA Mortgage Overview

In Yolo County, the typical FHA buyer puts 9.95% down on a $530,789 home, far below the 20% threshold. This low entry point requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, making it a strategic fit for those with sub-620 credit scores. With a 90.05% loan-to-value ratio, the risk profile is elevated, but the 100% primary occupancy rate confirms this is owner-occupied housing. The effective 0.79% property tax rate, adjusted for inflation at 0.9%, adds roughly $350 monthly to true affordability. For those exploring Yolo County FHA loan limits, the 6.026% interest rate combined with these taxes and MIP creates a fixed, predictable cost structure.

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.