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Guadalupe County FHA Loan Calculator

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

Loan Details

Guadalupe County, NM Benchmarks

FHA averages
Typical Property Value$215,714
Average Down Payment11.2%
Average Interest Rate6.386%
Effective Tax Rate0.55%
Median Tax Paid$526/yr
Tax Growth (Historical)-9.4%
Based on 14 regional loans totaling $2,630,000 (HMDA database).
$
%

$24,160 down · $191,554 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$99 / month

$

Annual premium

$

Per month

%

$81 / month

Estimated Monthly Payment

$1,548/mo

  • Principal & Interest$1,218
  • Property Tax$99
  • Home Insurance$150
  • FHA MIP$81
Amortization · Remaining Balance

Financed Loan Amount

$194,906

Total Interest

$243,528

Total of Payments

$438,435

*Includes financed FHA Upfront MIP of $3,352

Local Market Insights

Guadalupe County FHA Mortgage Overview

For Guadalupe County homebuyers, the 11.24% average down payment on FHA loans provides accessible entry, but the 88.76% Loan-to-Value (LTV) ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with sub-620 credit scores. With a 0.55% effective property tax rate and a recent inflation-adjusted tax decline of -9.4%, monthly affordability improves slightly. When evaluating an FHA loan with PMI and taxes in Guadalupe County, NM, note the average property value of $215,714 and a 6.386% interest rate. This data reflects 100% primary residence purchases, not investment properties, reinforcing stable local demand.

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.