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Hudson County FHA Loan Calculator

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

Loan Details

Hudson County, NJ Benchmarks

FHA averages
Typical Property Value$692,850
Average Down Payment13.5%
Average Interest Rate6.186%
Effective Tax Rate1.56%
Median Tax Paid$9,555/yr
Tax Growth (Historical)-1.5%
Based on 586 regional loans totaling $333,420,000 (HMDA database).
$
%

$93,535 down · $599,315 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$901 / month

$

Annual premium

$

Per month

%

$254 / month

Estimated Monthly Payment

$5,036/mo

  • Principal & Interest$3,731
  • Property Tax$901
  • Home Insurance$150
  • FHA MIP$254
Amortization · Remaining Balance

Financed Loan Amount

$609,803

Total Interest

$733,321

Total of Payments

$1,343,124

*Includes financed FHA Upfront MIP of $10,488

Local Market Insights

Hudson County FHA Mortgage Overview

For Hudson County homebuyers using an FHA loan, the 13.52% down payment and 86.48% LTV provide accessible entry, but require mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The effective 1.56% property tax rate, with a recent -1.5% inflation-adjusted shift, slightly eases monthly affordability. When exploring an FHA loan with PMI and taxes in Hudson County, NJ, or assessing FHA loan limits and tax impacts, note that 100% of these loans are for primary residences, not investments. This data helps you evaluate an FHA down payment scenario in Hudson County, New Jersey, against the $692,849 average property value at a 6.186% rate.

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.