Northampton County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Northampton County, PA Benchmarks

FHA averages

Typical Property Value$339,050

Average Down Payment13.9%

Average Interest Rate6.342%

Effective Tax Rate1.44%

Median Tax Paid$4,700/yr

Tax Growth (Historical)-3.2%

Based on 1,006 regional loans totaling $283,660,000 (HMDA database).

Home Price

Down Payment

$47,128 down · $291,922 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

$407 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$124 / month

Estimated Monthly Payment

$2,527/mo

Principal & Interest$1,846
Property Tax$407
Home Insurance$150
FHA MIP$124

Amortization · Remaining Balance

Financed Loan Amount

$297,031

Total Interest

$367,634

Total of Payments

$664,665

*Includes financed FHA Upfront MIP of $5,109

Local Market Insights

Northampton County FHA Mortgage Overview

For Northampton County homebuyers using an FHA loan, the 13.93% down payment on a $339,050 average property provides accessible entry, but mandates Mortgage Insurance Premiums (MIP) for the loan's life due to the 86.07% Loan-to-Value ratio. This structure is ideal for those with sub-620 credit scores seeking primary residences. The effective 1.44% property tax rate, with a recent -3.2% inflation-adjusted decrease, slightly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Northampton County, PA, or considering Northampton County FHA loan limits, this tax relief helps offset the mandatory MIP, making long-term holding costs more predictable.

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.