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Humboldt County FHA Loan Calculator

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

Loan Details

Humboldt County, NV Benchmarks

FHA averages
Typical Property Value$358,509
Average Down Payment8.9%
Average Interest Rate6.387%
Effective Tax Rate0.56%
Median Tax Paid$1,372/yr
Tax Growth (Historical)+1.7%
Based on 171 regional loans totaling $55,115,000 (HMDA database).
$
%

$31,907 down · $326,602 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$138 / month

Estimated Monthly Payment

$2,532/mo

  • Principal & Interest$2,076
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$138
Amortization · Remaining Balance

Financed Loan Amount

$332,317

Total Interest

$415,219

Total of Payments

$747,536

*Includes financed FHA Upfront MIP of $5,716

Local Market Insights

Humboldt County FHA Mortgage Overview

Humboldt County’s FHA market shows strong first-time buyer activity. The 8.86% average down payment provides accessible entry, but with a 91.14% LTV ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for buyers with sub-620 credit. The 0.56% property tax rate is low, but the recent 1.7% inflation-adjusted increase nudges monthly affordability. For an FHA loan with PMI and taxes in Humboldt County, NV, this data confirms primary residence purchases dominate. Using an FHA loan down payment analysis in Humboldt County, Nevada, buyers should factor in MIP alongside the $358,509 average property value.

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.