San Juan County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

San Juan County, CO Benchmarks

FHA averages

Typical Property Value$405,000

Average Down Payment15.6%

Average Interest Rate%

Effective Tax Rate0.29%

Median Tax Paid$1,364/yr

Tax Growth (Historical)+10.7%

Based on 2 regional loans totaling $690,000 (HMDA database).

Home Price

Down Payment

$63,180 down · $341,820 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

$98 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$145 / month

Estimated Monthly Payment

$2,649/mo

Principal & Interest$2,256
Property Tax$98
Home Insurance$150
FHA MIP$145

Amortization · Remaining Balance

Financed Loan Amount

$347,802

Total Interest

$464,299

Total of Payments

$812,101

*Includes financed FHA Upfront MIP of $5,982

Local Market Insights

San Juan County FHA Mortgage Overview

In San Juan County, the 15.58% weighted average down payment on FHA loans provides accessible entry for primary residence buyers, but mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life regardless of this equity level. The 84.42% loan-to-value ratio confirms this, making the FHA option ideal for those with sub-620 credit scores. The effective property tax rate of 0.29% is low, but a 10.7% inflation-adjusted tax increase will raise true monthly costs. When evaluating an FHA mortgage with property taxes in San Juan County, Colorado, factor in this permanent MIP and shifting tax burden to assess 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.