Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Georgia>Fulton County (FHA)

Fulton County FHA Loan Calculator

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

Loan Details

Fulton County, GA Benchmarks

FHA averages
Typical Property Value$356,054
Average Down Payment9.5%
Average Interest Rate6.047%
Effective Tax Rate0.89%
Median Tax Paid$4,033/yr
Tax Growth (Historical)+1.7%
Based on 4,557 regional loans totaling $1,428,875,000 (HMDA database).
$
%

$33,825 down · $322,229 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$264 / month

$

Annual premium

$

Per month

%

$137 / month

Estimated Monthly Payment

$2,527/mo

  • Principal & Interest$1,976
  • Property Tax$264
  • Home Insurance$150
  • FHA MIP$137
Amortization · Remaining Balance

Financed Loan Amount

$327,868

Total Interest

$383,595

Total of Payments

$711,463

*Includes financed FHA Upfront MIP of $5,639

Local Market Insights

Fulton County FHA Mortgage Overview

For Fulton County homebuyers using an FHA loan, the 9.51% average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. With a 90.49% Loan-to-Value (LTV) ratio and 100% primary occupancy, this data reflects standard owner-occupied buyers. The 0.89% effective property tax rate, coupled with a 1.7% inflation-adjusted tax increase, meaningfully impacts true monthly affordability. When evaluating an FHA loan with PMI and taxes in Fulton County, GA, consider that the 6.047% average interest rate on a $356,054 property makes the FHA loan limits and tax calculator a critical tool for budgeting.

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.