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Perquimans County FHA Loan Calculator

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

Loan Details

Perquimans County, NC Benchmarks

FHA averages
Typical Property Value$283,652
Average Down Payment14.8%
Average Interest Rate6.378%
Effective Tax Rate0.59%
Median Tax Paid$1,375/yr
Tax Growth (Historical)+1.4%
Based on 89 regional loans totaling $20,675,000 (HMDA database).
$
%

$41,980 down · $241,672 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$139 / month

$

Annual premium

$

Per month

%

$102 / month

Estimated Monthly Payment

$1,927/mo

  • Principal & Interest$1,535
  • Property Tax$139
  • Home Insurance$150
  • FHA MIP$102
Amortization · Remaining Balance

Financed Loan Amount

$245,901

Total Interest

$306,665

Total of Payments

$552,566

*Includes financed FHA Upfront MIP of $4,229

Local Market Insights

Perquimans County FHA Mortgage Overview

In Perquimans County, FHA buyers leverage a 14.81% down payment on an average property value of $283,652. With a loan-to-value ratio of 85.19%, this provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life—ideal for those with sub-620 credit scores. The 0.59% effective property tax rate, with a 1.4% inflation-adjusted increase, adds roughly $140 annually to true monthly affordability. For a detailed view of Perquimans County FHA loan down payments and PMI with taxes, these figures highlight a stable, owner-occupied market where lower upfront costs balance long-term MIP requirements.

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.