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Collier County FHA Loan Calculator

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

Loan Details

Collier County, FL Benchmarks

FHA averages
Typical Property Value$521,101
Average Down Payment10.5%
Average Interest Rate6.248%
Effective Tax Rate0.59%
Median Tax Paid$3,386/yr
Tax Growth (Historical)+2.0%
Based on 1,075 regional loans totaling $478,045,000 (HMDA database).
$
%

$54,716 down · $466,385 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$256 / month

$

Annual premium

$

Per month

%

$198 / month

Estimated Monthly Payment

$3,526/mo

  • Principal & Interest$2,922
  • Property Tax$256
  • Home Insurance$150
  • FHA MIP$198
Amortization · Remaining Balance

Financed Loan Amount

$474,547

Total Interest

$577,325

Total of Payments

$1,051,873

*Includes financed FHA Upfront MIP of $8,162

Local Market Insights

Collier County FHA Mortgage Overview

For Collier County homebuyers using an FHA loan, the 10.54% down payment offers accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 89.46% LTV. This FHA data reflects 100% owner-occupied purchases, not investments. The effective 0.59% property tax rate, with a 2.0% inflation-adjusted increase, adds predictable monthly costs. When evaluating an FHA loan with PMI and taxes in Collier County, FL, or exploring FHA loan limits and tax impacts, this 6.248% rate and $521K average value highlight affordability for buyers with sub-620 credit scores.

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.