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Wilson County FHA Loan Calculator

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

Loan Details

Wilson County, NC Benchmarks

FHA averages
Typical Property Value$263,395
Average Down Payment11.5%
Average Interest Rate6.183%
Effective Tax Rate0.80%
Median Tax Paid$1,471/yr
Tax Growth (Historical)-0.1%
Based on 405 regional loans totaling $92,705,000 (HMDA database).
$
%

$30,290 down · $233,105 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$176 / month

$

Annual premium

$

Per month

%

$99 / month

Estimated Monthly Payment

$1,874/mo

  • Principal & Interest$1,450
  • Property Tax$176
  • Home Insurance$150
  • FHA MIP$99
Amortization · Remaining Balance

Financed Loan Amount

$237,184

Total Interest

$284,672

Total of Payments

$521,856

*Includes financed FHA Upfront MIP of $4,079

Local Market Insights

Wilson County FHA Mortgage Overview

For Wilson County homebuyers using an FHA loan, the 11.47% down payment on a $263,395 property provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the entire loan term—ideal for those with credit scores below 620. The 88.53% Loan-to-Value ratio confirms this, as MIP never cancels. The 0.80% effective property tax rate, with a -0.1% inflation-adjusted decrease, offers slight monthly relief. When evaluating an FHA loan down payment in Wilson County, NC, remember MIP and property taxes are permanent costs. For an FHA mortgage with property taxes, this data reflects 100% owner-occupied buyers, not investors.

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.