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Upson County FHA Loan Calculator

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

Loan Details

Upson County, GA Benchmarks

FHA averages
Typical Property Value$263,253
Average Down Payment12.4%
Average Interest Rate6.286%
Effective Tax Rate0.81%
Median Tax Paid$1,433/yr
Tax Growth (Historical)+4.9%
Based on 166 regional loans totaling $36,760,000 (HMDA database).
$
%

$32,643 down · $230,610 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$178 / month

$

Annual premium

$

Per month

%

$98 / month

Estimated Monthly Payment

$1,876/mo

  • Principal & Interest$1,451
  • Property Tax$178
  • Home Insurance$150
  • FHA MIP$98
Amortization · Remaining Balance

Financed Loan Amount

$234,645

Total Interest

$287,665

Total of Payments

$522,310

*Includes financed FHA Upfront MIP of $4,036

Local Market Insights

Upson County FHA Mortgage Overview

In Upson County, the typical FHA borrower puts down 12.36%, well above the 3.5% minimum, reflecting a deliberate strategy to lower the 87.64% loan-to-value ratio. Despite this equity, mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, making this path ideal for buyers with sub-620 credit seeking stability. The 0.81% effective property tax rate, adjusted upward by 4.9% for inflation, adds roughly $213 annually to the true monthly affordability. For those using an FHA loan with PMI and taxes in Upson County, GA, understanding these fixed costs—including Upson County FHA loan limits—is critical for accurate 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.