Dixie County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Dixie County, FL Benchmarks

FHA averages

Typical Property Value$221,316

Average Down Payment11.0%

Average Interest Rate6.524%

Effective Tax Rate0.60%

Median Tax Paid$813/yr

Tax Growth (Historical)+10.3%

Based on 76 regional loans totaling $14,080,000 (HMDA database).

Home Price

Down Payment

$24,345 down · $196,971 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

$111 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$84 / month

Estimated Monthly Payment

$1,614/mo

Principal & Interest$1,269
Property Tax$111
Home Insurance$150
FHA MIP$84

Amortization · Remaining Balance

Financed Loan Amount

$200,418

Total Interest

$256,572

Total of Payments

$456,990

*Includes financed FHA Upfront MIP of $3,447

Local Market Insights

Dixie County FHA Mortgage Overview

For Dixie County homebuyers, the 10.98% average down payment on an FHA loan provides accessible entry, but note that the mandatory Mortgage Insurance Premium (MIP) applies for the entire loan term due to the 89.02% LTV ratio. This makes an FHA loan with PMI and taxes in Dixie County, FL a fixed-cost consideration. The 0.60% effective property tax rate, combined with a 10.3% inflation-adjusted increase, directly raises monthly affordability. For those exploring Dixie County FHA loan limits and tax impacts, this data reflects 100% owner-occupied purchases, confirming the market is driven by standard homebuyers rather than investors.

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.