Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Georgia>Long County (FHA)

Long County FHA Loan Calculator

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

Loan Details

Long County, GA Benchmarks

FHA averages
Typical Property Value$282,018
Average Down Payment10.8%
Average Interest Rate6.338%
Effective Tax Rate0.71%
Median Tax Paid$1,903/yr
Tax Growth (Historical)-5.8%
Based on 114 regional loans totaling $27,820,000 (HMDA database).
$
%

$30,458 down · $251,560 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$107 / month

Estimated Monthly Payment

$2,015/mo

  • Principal & Interest$1,591
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$107
Amortization · Remaining Balance

Financed Loan Amount

$255,962

Total Interest

$316,804

Total of Payments

$572,766

*Includes financed FHA Upfront MIP of $4,402

Local Market Insights

Long County FHA Mortgage Overview

In Long County, the 10.77% average down payment on FHA loans provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life. With a high 89.23% loan-to-value ratio, buyers here prioritize occupancy over equity building. The 0.71% effective tax rate, adjusted down 5.8% for inflation, eases monthly affordability. For those using an FHA loan down payment assessment in Long County, Georgia, this low tax burden offsets the ongoing MIP cost, making the Long County FHA mortgage outlook favorable for primary residence 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.