Blair County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Blair County, PA Benchmarks

FHA averages

Typical Property Value$186,315

Average Down Payment11.4%

Average Interest Rate6.402%

Effective Tax Rate1.05%

Median Tax Paid$1,724/yr

Tax Growth (Historical)-2.3%

Based on 365 regional loans totaling $59,015,000 (HMDA database).

Home Price

Down Payment

$21,240 down · $165,075 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$163 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$70 / month

Estimated Monthly Payment

$1,434/mo

Principal & Interest$1,051
Property Tax$163
Home Insurance$150
FHA MIP$70

Amortization · Remaining Balance

Financed Loan Amount

$167,964

Total Interest

$210,261

Total of Payments

$378,225

*Includes financed FHA Upfront MIP of $2,889

Local Market Insights

Blair County FHA Mortgage Overview

For Blair County homebuyers, the 11.40% average down payment on an FHA loan provides accessible entry, though it mandates Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. The 88.60% loan-to-value ratio confirms most buyers are leveraging financing for primary residences. With a 1.05% effective property tax rate and a recent -2.3% inflation-adjusted tax shift, monthly affordability improves slightly. When evaluating an FHA loan with PMI and taxes in Blair County, PA, note property taxes on a $186,315 home add roughly $163 monthly. This data supports using a Blair County FHA mortgage tool with property taxes to gauge true costs, especially given local loan limits.

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.