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Columbia County FHA Loan Calculator

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

Loan Details

Columbia County, FL Benchmarks

FHA averages
Typical Property Value$277,155
Average Down Payment12.3%
Average Interest Rate6.380%
Effective Tax Rate0.73%
Median Tax Paid$1,434/yr
Tax Growth (Historical)+0.4%
Based on 362 regional loans totaling $83,610,000 (HMDA database).
$
%

$34,090 down · $243,065 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$169 / month

$

Annual premium

$

Per month

%

$103 / month

Estimated Monthly Payment

$1,965/mo

  • Principal & Interest$1,544
  • Property Tax$169
  • Home Insurance$150
  • FHA MIP$103
Amortization · Remaining Balance

Financed Loan Amount

$247,319

Total Interest

$308,433

Total of Payments

$555,752

*Includes financed FHA Upfront MIP of $4,254

Local Market Insights

Columbia County FHA Mortgage Overview

In Columbia County, the 12.25% FHA down payment on a $277,155 property offers accessible entry, but the 87.75% LTV means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, ideal for buyers with sub-620 credit. The 0.73% property tax rate, with a recent 0.4% inflation-adjusted increase, adds modest monthly cost. For an FHA loan with PMI and taxes in Columbia County, FL, the low down payment eases upfront burden, while the effective tax shift slightly raises long-term affordability. This data reflects 100% owner-occupied purchases, not investments.

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.