Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>North Carolina>Orange County (FHA)

Orange County FHA Loan Calculator

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

Loan Details

Orange County, NC Benchmarks

FHA averages
Typical Property Value$361,725
Average Down Payment13.5%
Average Interest Rate6.027%
Effective Tax Rate0.96%
Median Tax Paid$4,162/yr
Tax Growth (Historical)-1.6%
Based on 171 regional loans totaling $50,695,000 (HMDA database).
$
%

$48,833 down · $312,892 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$289 / month

$

Annual premium

$

Per month

%

$133 / month

Estimated Monthly Payment

$2,487/mo

  • Principal & Interest$1,915
  • Property Tax$289
  • Home Insurance$150
  • FHA MIP$133
Amortization · Remaining Balance

Financed Loan Amount

$318,368

Total Interest

$371,004

Total of Payments

$689,371

*Includes financed FHA Upfront MIP of $5,476

Local Market Insights

Orange County FHA Mortgage Overview

For Orange County homebuyers exploring an FHA loan, the 13.53% average down payment offers accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, given the 86.47% Loan-to-Value ratio. This is ideal for those with sub-620 credit scores, as MIP never drops. The 0.96% effective property tax rate, with a recent -1.6% inflation-adjusted decline, slightly eases monthly costs. When evaluating an FHA loan down payment in Orange County, North Carolina, remember MIP and taxes are permanent. This data reflects 100% owner-occupied 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.