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Sullivan County FHA Loan Calculator

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

Loan Details

Sullivan County, PA Benchmarks

FHA averages
Typical Property Value$227,222
Average Down Payment18.5%
Average Interest Rate6.852%
Effective Tax Rate0.95%
Median Tax Paid$2,015/yr
Tax Growth (Historical)-0.2%
Based on 9 regional loans totaling $1,625,000 (HMDA database).
$
%

$42,036 down · $185,186 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$180 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,643/mo

  • Principal & Interest$1,235
  • Property Tax$180
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$188,427

Total Interest

$256,059

Total of Payments

$444,486

*Includes financed FHA Upfront MIP of $3,241

Local Market Insights

Sullivan County FHA Mortgage Overview

In Sullivan County, FHA buyers are leveraging an 18.50% down payment on a typical $227,222 property. While this exceeds the standard 3.5% FHA minimum, the mandatory Mortgage Insurance Premium (MIP) remains for the life of the loan, a key consideration for those with sub-620 credit scores. The 81.50% loan-to-value ratio confirms these are owner-occupied purchases. Monthly affordability is supported by a 0.95% effective property tax rate, which has seen a slight inflation-adjusted decline of -0.2%, reducing long-term tax burden. When evaluating an FHA loan with PMI and taxes in Sullivan County, PA, this lower tax growth provides modest relief against the 6.852% interest rate.

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.