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Bedford County FHA Loan Calculator

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

Loan Details

Bedford County, PA Benchmarks

FHA averages
Typical Property Value$215,534
Average Down Payment12.7%
Average Interest Rate6.418%
Effective Tax Rate0.79%
Median Tax Paid$1,444/yr
Tax Growth (Historical)-0.2%
Based on 131 regional loans totaling $23,585,000 (HMDA database).
$
%

$27,373 down · $188,161 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$142 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,572/mo

  • Principal & Interest$1,200
  • Property Tax$142
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$191,454

Total Interest

$240,569

Total of Payments

$432,023

*Includes financed FHA Upfront MIP of $3,293

Local Market Insights

Bedford County FHA Mortgage Overview

For Bedford County homebuyers, the 12.65% average down payment on an FHA loan provides accessible entry into the market, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life. With a median Loan-to-Value (LTV) of 87.35%, this FHA structure is ideal for those with sub-620 credit scores seeking owner-occupied properties. The 0.79% effective tax rate, combined with a -0.2% inflation-adjusted decrease, offers stable monthly affordability. When evaluating an FHA loan with PMI and taxes in Bedford County, PA, or reviewing Bedford County FHA loan limits and tax considerations, this data confirms a low-risk, cost-effective market for primary residences.

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.