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Lancaster County FHA Loan Calculator

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

Loan Details

Lancaster County, PA Benchmarks

FHA averages
Typical Property Value$333,415
Average Down Payment13.8%
Average Interest Rate6.262%
Effective Tax Rate1.20%
Median Tax Paid$3,975/yr
Tax Growth (Historical)-2.2%
Based on 1,036 regional loans totaling $286,120,000 (HMDA database).
$
%

$46,011 down · $287,404 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$333 / month

$

Annual premium

$

Per month

%

$122 / month

Estimated Monthly Payment

$2,408/mo

  • Principal & Interest$1,802
  • Property Tax$333
  • Home Insurance$150
  • FHA MIP$122
Amortization · Remaining Balance

Financed Loan Amount

$292,433

Total Interest

$356,454

Total of Payments

$648,887

*Includes financed FHA Upfront MIP of $5,030

Local Market Insights

Lancaster County FHA Mortgage Overview

For Lancaster County homebuyers, an FHA loan with a 13.81% down payment offers accessible entry, though the 86.19% LTV means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for those with sub-620 credit. The effective 1.20% property tax rate, with a recent -2.2% inflation-adjusted decrease, slightly improves monthly affordability when using an FHA loan calculator with PMI and taxes in Lancaster County, PA. This data reflects standard primary residences, not investments, making a Lancaster County FHA mortgage calculator with property taxes essential for accurate budgeting. Understanding Lancaster County FHA loan limits and tax calculator inputs helps buyers navigate this market’s true costs.

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.