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Graham County FHA Loan Calculator

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

Loan Details

Graham County, NC Benchmarks

FHA averages
Typical Property Value$275,500
Average Down Payment21.9%
Average Interest Rate6.271%
Effective Tax Rate0.49%
Median Tax Paid$979/yr
Tax Growth (Historical)+12.8%
Based on 20 regional loans totaling $3,900,000 (HMDA database).
$
%

$60,335 down · $215,166 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,705/mo

  • Principal & Interest$1,351
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$218,931

Total Interest

$267,373

Total of Payments

$486,304

*Includes financed FHA Upfront MIP of $3,765

Local Market Insights

Graham County FHA Mortgage Overview

In Graham County, an FHA loan with a 21.89% down payment on a $275,500 home provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for buyers with sub-620 credit. The 78.11% loan-to-value ratio confirms strong equity, but MIP cannot be removed. The effective property tax rate of 0.49% is low, yet the 12.8% inflation-adjusted tax increase will modestly raise monthly costs. For accurate budgeting, consider the FHA loan with PMI and taxes in Graham County, NC, and review Graham County FHA loan limits and property tax impacts for true affordability.

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.