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Douglas County FHA Loan Calculator

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

Loan Details

Douglas County, NV Benchmarks

FHA averages
Typical Property Value$527,737
Average Down Payment11.4%
Average Interest Rate6.136%
Effective Tax Rate0.45%
Median Tax Paid$2,750/yr
Tax Growth (Historical)+0.7%
Based on 95 regional loans totaling $43,185,000 (HMDA database).
$
%

$60,162 down · $467,575 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$198 / month

$

Annual premium

$

Per month

%

$198 / month

Estimated Monthly Payment

$3,442/mo

  • Principal & Interest$2,895
  • Property Tax$198
  • Home Insurance$150
  • FHA MIP$198
Amortization · Remaining Balance

Financed Loan Amount

$475,758

Total Interest

$566,575

Total of Payments

$1,042,333

*Includes financed FHA Upfront MIP of $8,183

Local Market Insights

Douglas County FHA Mortgage Overview

In Douglas County, the 11.40% average down payment on FHA loans provides accessible entry for buyers, though mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, regardless of equity. With an 88.60% loan-to-value ratio and 100% primary occupancy, this market suits owner-occupants, not investors. The 0.45% effective property tax rate, adjusted 0.7% for inflation, keeps monthly costs manageable. When evaluating an FHA loan with PMI and taxes in Douglas County, NV, or assessing down payment options, note the average property value of $527,736.84 and 6.136% interest rate. This data supports informed decisions on FHA loan limits and tax impacts in Douglas County, Nevada.

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.