Duval County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Duval County, FL Benchmarks

FHA averages

Typical Property Value$299,662

Average Down Payment7.6%

Average Interest Rate5.989%

Effective Tax Rate0.75%

Median Tax Paid$2,264/yr

Tax Growth (Historical)+2.5%

Based on 4,856 regional loans totaling $1,317,540,000 (HMDA database).

Home Price

Down Payment

$22,774 down · $276,888 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

$187 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$117 / month

Estimated Monthly Payment

$2,142/mo

Principal & Interest$1,687
Property Tax$187
Home Insurance$150
FHA MIP$117

Amortization · Remaining Balance

Financed Loan Amount

$281,733

Total Interest

$325,703

Total of Payments

$607,436

*Includes financed FHA Upfront MIP of $4,846

Local Market Insights

Duval County FHA Mortgage Overview

Duval County's FHA homebuyers benefit from a low 7.61% down payment, making entry accessible, especially with the 92.39% LTV ratio. However, this FHA loan requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, a key factor for those using a Duval County FHA mortgage calculator with property taxes. The effective 0.75% tax rate, adjusted 2.5% for inflation, adds a predictable monthly cost. For standard owner-occupied purchases, this structure suits buyers with sub-620 credit seeking a Duval County FHA loan limits and tax calculator analysis.

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.