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Stewart County FHA Loan Calculator

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

Loan Details

Stewart County, GA Benchmarks

FHA averages
Typical Property Value$166,333
Average Down Payment9.0%
Average Interest Rate6.374%
Effective Tax Rate0.93%
Median Tax Paid$994/yr
Tax Growth (Historical)+6.3%
Based on 15 regional loans totaling $2,225,000 (HMDA database).
$
%

$14,970 down · $151,363 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$129 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,303/mo

  • Principal & Interest$960
  • Property Tax$129
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$154,012

Total Interest

$191,707

Total of Payments

$345,719

*Includes financed FHA Upfront MIP of $2,649

Local Market Insights

Stewart County FHA Mortgage Overview

In Stewart County, Georgia, the typical FHA homebuyer is leveraging a 9.00% down payment on an average property valued at $166,333.33. This low entry point, combined with a 91.00% loan-to-value ratio, makes homeownership accessible, but it mandates a Mortgage Insurance Premium (MIP) for the life of the loan. With a 6.374% interest rate and an effective property tax rate of 0.93%, the recent 6.3% inflation-adjusted tax increase adds a meaningful monthly cost. For those exploring an FHA loan with PMI and taxes in Stewart County, GA, this data confirms the market is dominated by primary residences (100% occupancy), emphasizing long-term affordability over investment yield.

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.