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Ware County FHA Loan Calculator

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

Loan Details

Ware County, GA Benchmarks

FHA averages
Typical Property Value$190,764
Average Down Payment9.6%
Average Interest Rate6.481%
Effective Tax Rate0.85%
Median Tax Paid$1,047/yr
Tax Growth (Historical)-5.7%
Based on 144 regional loans totaling $24,180,000 (HMDA database).
$
%

$18,313 down · $172,451 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$135 / month

$

Annual premium

$

Per month

%

$73 / month

Estimated Monthly Payment

$1,465/mo

  • Principal & Interest$1,107
  • Property Tax$135
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$175,469

Total Interest

$222,970

Total of Payments

$398,439

*Includes financed FHA Upfront MIP of $3,018

Local Market Insights

Ware County FHA Mortgage Overview

For Ware County homebuyers using an FHA loan, the 9.55% average down payment offers accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life regardless of this equity level. With a 90.45% Loan-to-Value ratio and 100% primary occupancy, this data reflects owner-occupied purchases, ideal for those with sub-620 credit scores. The effective property tax rate of 0.85% yields a modest monthly burden, and the recent -5.7% inflation-adjusted tax change slightly improves affordability. When evaluating an FHA loan down payment with PMI and taxes in Ware County, GA, these local trends—including property value averages and loan limits—provide a clear picture of true monthly costs.

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.