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Webster County FHA Loan Calculator

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

Loan Details

Webster County, MS Benchmarks

FHA averages
Typical Property Value$212,143
Average Down Payment11.8%
Average Interest Rate6.249%
Effective Tax Rate0.44%
Median Tax Paid$821/yr
Tax Growth (Historical)+26.6%
Based on 35 regional loans totaling $6,425,000 (HMDA database).
$
%

$25,033 down · $187,110 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$78 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,479/mo

  • Principal & Interest$1,172
  • Property Tax$78
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$190,385

Total Interest

$231,618

Total of Payments

$422,003

*Includes financed FHA Upfront MIP of $3,274

Local Market Insights

Webster County FHA Mortgage Overview

Webster County buyers using FHA loans are entering the market with an 11.82% down payment on a $212,143 average property, well above the 3.5% minimum. This reduces, but does not eliminate, mandatory Mortgage Insurance Premiums (MIP), which are required for the life of the loan regardless of the 88.18% LTV. The 0.44% tax rate is modest, but a 26.6% inflation-adjusted tax increase will materially raise monthly costs. For those using an FHA loan calculator with PMI and taxes in Webster County, MS, this data confirms FHA remains ideal for buyers with sub-620 credit seeking owner-occupied financing, though MIP is permanent. The Webster County FHA loan limits and tax calculator data reflects 100% primary residence purchases, not investments.

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.