Jefferson County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Jefferson County, FL Benchmarks

FHA averages

Typical Property Value$264,844

Average Down Payment14.6%

Average Interest Rate6.499%

Effective Tax Rate0.65%

Median Tax Paid$1,439/yr

Tax Growth (Historical)+3.6%

Based on 64 regional loans totaling $13,310,000 (HMDA database).

Home Price

Down Payment

$38,667 down · $226,177 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

$143 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$96 / month

Estimated Monthly Payment

$1,844/mo

Principal & Interest$1,455
Property Tax$143
Home Insurance$150
FHA MIP$96

Amortization · Remaining Balance

Financed Loan Amount

$230,135

Total Interest

$293,524

Total of Payments

$523,659

*Includes financed FHA Upfront MIP of $3,958

Local Market Insights

Jefferson County FHA Mortgage Overview

Jefferson County’s FHA market shows an accessible entry point with a 14.57% down payment, yet the 85.43% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for buyers with sub-620 credit. The 0.65% property tax rate, adjusted upward 3.6% for inflation, adds roughly $172 monthly on the $264,844 average value. This FHA loan with PMI and taxes in Jefferson County, FL, demands careful budgeting, as the down payment in Jefferson County, Florida, stays low but MIP persists. All data reflects 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.