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Onslow County FHA Loan Calculator

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

Loan Details

Onslow County, NC Benchmarks

FHA averages
Typical Property Value$277,295
Average Down Payment12.2%
Average Interest Rate6.299%
Effective Tax Rate0.64%
Median Tax Paid$1,502/yr
Tax Growth (Historical)+1.8%
Based on 671 regional loans totaling $158,365,000 (HMDA database).
$
%

$33,830 down · $243,465 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$103 / month

Estimated Monthly Payment

$1,934/mo

  • Principal & Interest$1,533
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$103
Amortization · Remaining Balance

Financed Loan Amount

$247,726

Total Interest

$304,282

Total of Payments

$552,008

*Includes financed FHA Upfront MIP of $4,261

Local Market Insights

Onslow County FHA Mortgage Overview

The 12.19% weighted down payment in Onslow County reflects accessible entry via FHA loans, though this comes with mandatory Mortgage Insurance Premiums (MIP) for the loan's life due to the 87.81% LTV ratio. This is ideal for buyers with sub-620 credit scores seeking owner-occupied primary residences. The effective property tax rate of 0.64%, with a 1.8% inflation-adjusted increase, adds roughly $148 monthly on the $277,295 average property value. When evaluating an FHA loan with PMI and taxes in Onslow County, NC, this tax shift modestly impacts true affordability, while the down payment structure ensures lower upfront costs but higher long-term insurance obligations.

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.