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San Juan County FHA Loan Calculator

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

Loan Details

San Juan County, NM Benchmarks

FHA averages
Typical Property Value$291,416
Average Down Payment10.3%
Average Interest Rate6.303%
Effective Tax Rate0.52%
Median Tax Paid$1,317/yr
Tax Growth (Historical)+2.3%
Based on 466 regional loans totaling $117,990,000 (HMDA database).
$
%

$30,016 down · $261,400 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$126 / month

$

Annual premium

$

Per month

%

$111 / month

Estimated Monthly Payment

$2,033/mo

  • Principal & Interest$1,646
  • Property Tax$126
  • Home Insurance$150
  • FHA MIP$111
Amortization · Remaining Balance

Financed Loan Amount

$265,975

Total Interest

$326,697

Total of Payments

$592,672

*Includes financed FHA Upfront MIP of $4,575

Local Market Insights

San Juan County FHA Mortgage Overview

In San Juan County, the 10.33% average down payment for FHA loans provides accessible entry, but comes with mandatory Mortgage Insurance Premiums (MIP) for the loan's life, a key factor for those using an FHA loan calculator with PMI and taxes in San Juan County, NM. With an 89.67% Loan-to-Value ratio and 100% owner-occupancy, this data reflects standard homebuyers. The effective 0.52% property tax rate, adjusted upward by 2.3% for inflation, directly impacts monthly affordability—a critical input when evaluating an FHA loan down payment calculator in San Juan County, New Mexico. This market favors buyers needing lower credit scores, as MIP cannot be canceled.

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.