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Adams County FHA Loan Calculator

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

Loan Details

Adams County, PA Benchmarks

FHA averages
Typical Property Value$310,395
Average Down Payment10.7%
Average Interest Rate6.353%
Effective Tax Rate1.22%
Median Tax Paid$3,561/yr
Tax Growth (Historical)-3.2%
Based on 354 regional loans totaling $95,360,000 (HMDA database).
$
%

$33,212 down · $277,183 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$316 / month

$

Annual premium

$

Per month

%

$118 / month

Estimated Monthly Payment

$2,338/mo

  • Principal & Interest$1,755
  • Property Tax$316
  • Home Insurance$150
  • FHA MIP$118
Amortization · Remaining Balance

Financed Loan Amount

$282,033

Total Interest

$349,735

Total of Payments

$631,769

*Includes financed FHA Upfront MIP of $4,851

Local Market Insights

Adams County FHA Mortgage Overview

In Adams County, Pennsylvania, an average 10.67% down payment on an FHA loan provides accessible entry for buyers, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan regardless of equity, making this ideal for those with sub-620 credit. The 89.33% median loan-to-value (LTV) ratio confirms this is a lower-equity, owner-occupied market (100% primary residence). With a 1.22% effective property tax rate and a recent -3.2% inflation-adjusted tax shift, monthly affordability is slightly improved, as property tax burdens have eased in real terms. When evaluating an FHA loan with PMI and taxes in Adams County, PA, these factors directly impact your true monthly cost.

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.