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Haywood County FHA Loan Calculator

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

Loan Details

Haywood County, NC Benchmarks

FHA averages
Typical Property Value$344,026
Average Down Payment12.8%
Average Interest Rate5.920%
Effective Tax Rate0.53%
Median Tax Paid$1,583/yr
Tax Growth (Historical)+0.2%
Based on 267 regional loans totaling $76,945,000 (HMDA database).
$
%

$44,035 down · $299,991 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$152 / month

$

Annual premium

$

Per month

%

$127 / month

Estimated Monthly Payment

$2,244/mo

  • Principal & Interest$1,814
  • Property Tax$152
  • Home Insurance$150
  • FHA MIP$127
Amortization · Remaining Balance

Financed Loan Amount

$305,241

Total Interest

$347,944

Total of Payments

$653,184

*Includes financed FHA Upfront MIP of $5,250

Local Market Insights

Haywood County FHA Mortgage Overview

Haywood County FHA buyers put down 12.80%, which is well above the 3.5% minimum. While this reduces the loan amount, FHA Mortgage Insurance Premiums (MIP) remain mandatory for the loan’s life due to the 87.20% loan-to-value ratio. This makes FHA ideal for buyers with sub-620 credit scores seeking primary residences. The 0.53% effective tax rate, with a modest 0.2% inflation-adjusted increase, keeps monthly costs stable. When evaluating an FHA loan with PMI and taxes in Haywood County, NC, note that property taxes add roughly $152 monthly to your payment on the average $344,026 home value.

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.