Pueblo County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Pueblo County, CO Benchmarks

FHA averages

Typical Property Value$309,886

Average Down Payment9.0%

Average Interest Rate6.184%

Effective Tax Rate0.52%

Median Tax Paid$1,467/yr

Tax Growth (Historical)+3.0%

Based on 1,189 regional loans totaling $325,025,000 (HMDA database).

Home Price

Down Payment

$27,890 down · $281,996 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

$134 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$120 / month

Estimated Monthly Payment

$2,157/mo

Principal & Interest$1,754
Property Tax$134
Home Insurance$150
FHA MIP$120

Amortization · Remaining Balance

Financed Loan Amount

$286,931

Total Interest

$344,380

Total of Payments

$631,311

*Includes financed FHA Upfront MIP of $4,935

Local Market Insights

Pueblo County FHA Mortgage Overview

For Pueblo County homebuyers, the 9.04% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, unlike conventional loans. With a 90.96% loan-to-value ratio, this data reflects standard owner-occupied purchases. The local 0.52% effective property tax rate, adjusted 3.0% for inflation, adds roughly $134 monthly to true affordability. When using an FHA loan calculator with PMI and taxes in Pueblo County, CO, or an FHA down payment calculator, factor in this permanent MIP cost alongside property taxes.

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.