Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Colorado>Washington County (FHA)

Washington County FHA Loan Calculator

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

Loan Details

Washington County, CO Benchmarks

FHA averages
Typical Property Value$302,179
Average Down Payment12.9%
Average Interest Rate6.260%
Effective Tax Rate0.42%
Median Tax Paid$874/yr
Tax Growth (Historical)-4.7%
Based on 39 regional loans totaling $9,565,000 (HMDA database).
$
%

$38,981 down · $263,198 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$106 / month

$

Annual premium

$

Per month

%

$112 / month

Estimated Monthly Payment

$2,018/mo

  • Principal & Interest$1,651
  • Property Tax$106
  • Home Insurance$150
  • FHA MIP$112
Amortization · Remaining Balance

Financed Loan Amount

$267,804

Total Interest

$326,433

Total of Payments

$594,236

*Includes financed FHA Upfront MIP of $4,606

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers using an FHA loan, the 12.92% average down payment on a $302,179 property provides accessible entry, but note that FHA mortgage insurance premiums (MIP) are required for the loan’s life regardless of equity. The 87.08% loan-to-value ratio confirms most buyers are owner-occupants, not investors, reducing risk. Property taxes are favorable at 0.42%, and the recent -4.7% inflation-adjusted tax change lowers monthly costs. When evaluating an FHA mortgage with property taxes, this stable tax environment supports affordability, though the 6.26% interest rate and permanent MIP must be factored into your budget.

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.