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Grady County FHA Loan Calculator

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

Loan Details

Grady County, GA Benchmarks

FHA averages
Typical Property Value$225,976
Average Down Payment12.1%
Average Interest Rate6.260%
Effective Tax Rate0.92%
Median Tax Paid$1,386/yr
Tax Growth (Historical)+0.6%
Based on 82 regional loans totaling $15,800,000 (HMDA database).
$
%

$27,343 down · $198,633 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$173 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,653/mo

  • Principal & Interest$1,246
  • Property Tax$173
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$202,109

Total Interest

$246,355

Total of Payments

$448,464

*Includes financed FHA Upfront MIP of $3,476

Local Market Insights

Grady County FHA Mortgage Overview

In Grady County, the typical FHA buyer puts 12.05% down on a $225,976 home, which is higher than the 3.5% minimum. This signals strong local equity, yet the 87.95% LTV means MIP remains for the loan’s life—a key factor when using an FHA loan with PMI and taxes in Grady County, GA. The 0.92% effective tax rate, adjusted upward by 0.6% for inflation, adds roughly $1,250 annually to true monthly costs. For buyers evaluating an FHA down payment in Grady County, Georgia, this data reflects 100% owner-occupants prioritizing long-term affordability over investment flipping.

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.