Northumberland County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Northumberland County, PA Benchmarks

FHA averages

Typical Property Value$186,777

Average Down Payment13.1%

Average Interest Rate6.483%

Effective Tax Rate1.12%

Median Tax Paid$1,794/yr

Tax Growth (Historical)-2.1%

Based on 242 regional loans totaling $37,500,000 (HMDA database).

Home Price

Down Payment

$24,468 down · $162,309 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

$174 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$69 / month

Estimated Monthly Payment

$1,435/mo

Principal & Interest$1,042
Property Tax$174
Home Insurance$150
FHA MIP$69

Amortization · Remaining Balance

Financed Loan Amount

$165,150

Total Interest

$209,858

Total of Payments

$375,007

*Includes financed FHA Upfront MIP of $2,840

Local Market Insights

Northumberland County FHA Mortgage Overview

In Northumberland County, FHA buyers are leveraging a 13.10% down payment on an average $186,777 property, providing accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 86.90% LTV ratio confirms minimal equity risk, especially as 100% of purchases are primary residences. With a 1.12% effective tax rate and a -2.1% inflation-adjusted decrease, monthly affordability is slightly improved. When evaluating an FHA loan with PMI and taxes in Northumberland County, PA, or using a Northumberland County FHA mortgage tool with property taxes, note that these limits and tax shifts support stable long-term 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.