Coffee County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Coffee County, GA Benchmarks

FHA averages

Typical Property Value$220,488

Average Down Payment12.1%

Average Interest Rate6.407%

Effective Tax Rate0.60%

Median Tax Paid$976/yr

Tax Growth (Historical)-6.6%

Based on 164 regional loans totaling $31,050,000 (HMDA database).

Home Price

Down Payment

$26,679 down · $193,809 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

$110 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$82 / month

Estimated Monthly Payment

$1,577/mo

Principal & Interest$1,235
Property Tax$110
Home Insurance$150
FHA MIP$82

Amortization · Remaining Balance

Financed Loan Amount

$197,201

Total Interest

$247,325

Total of Payments

$444,525

*Includes financed FHA Upfront MIP of $3,392

Local Market Insights

Coffee County FHA Mortgage Overview

In Coffee County, the 12.08% average down payment on FHA loans provides accessible entry for owner-occupants, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 87.92% loan-to-value ratio. This makes an FHA loan calculator with PMI and taxes in Coffee County, GA, essential for true budgeting. The 0.60% effective property tax rate, combined with a -6.6% inflation-adjusted tax change, offers slight monthly relief. For those evaluating an FHA loan down payment calculator in Coffee County, Georgia, this data highlights that lower upfront costs come with permanent MIP, ideal for sub-620 credit buyers.

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.