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St. Helena Parish FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for St. Helena Parish, Louisiana based on real HMDA transaction records.

Loan Details

St. Helena Parish, LA Benchmarks

FHA averages
Typical Property Value$274,524
Average Down Payment9.7%
Average Interest Rate5.769%
Effective Tax Rate0.13%
Median Tax Paid$469/yr
Tax Growth (Historical)+1.6%
Based on 21 regional loans totaling $5,095,000 (HMDA database).
$
%

$26,629 down · $247,895 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$30 / month

$

Annual premium

$

Per month

%

$105 / month

Estimated Monthly Payment

$1,760/mo

  • Principal & Interest$1,475
  • Property Tax$30
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$252,233

Total Interest

$278,828

Total of Payments

$531,062

*Includes financed FHA Upfront MIP of $4,338

Local Market Insights

St. Helena Parish FHA Mortgage Overview

For St. Helena Parish homebuyers using an FHA loan, the 9.71% down payment and 90.29% LTV ratio provide accessible entry. However, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of equity, making this ideal for those with sub-620 credit scores. The 0.13% effective property tax rate and 1.6% inflation-adjusted shift keep monthly costs low, enhancing true affordability. When evaluating an FHA mortgage with property taxes and MIP, this data confirms a stable, owner-occupied market with minimal tax burden, supporting long-term budget planning for St. Helena Parish.

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.