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Robeson County FHA Loan Calculator

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

Loan Details

Robeson County, NC Benchmarks

FHA averages
Typical Property Value$224,625
Average Down Payment12.3%
Average Interest Rate6.451%
Effective Tax Rate0.80%
Median Tax Paid$820/yr
Tax Growth (Historical)-0.4%
Based on 374 regional loans totaling $69,780,000 (HMDA database).
$
%

$27,629 down · $196,996 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$150 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,644/mo

  • Principal & Interest$1,260
  • Property Tax$150
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$200,444

Total Interest

$253,285

Total of Payments

$453,728

*Includes financed FHA Upfront MIP of $3,447

Local Market Insights

Robeson County FHA Mortgage Overview

Robeson County homebuyers using an FHA loan with a 12.34% down payment benefit from accessible entry, but must account for mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, given the 87.66% LTV ratio. This data reflects 100% owner-occupied purchases, ideal for those with sub-620 credit scores. The 0.80% effective property tax rate, with a -0.4% inflation-adjusted decrease, slightly lowers monthly carrying costs. When evaluating an FHA loan with PMI and taxes in Robeson County, NC, or checking Robeson County FHA loan limits, remember the $224,624.66 average property value and 6.451% rate shape 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.