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Tioga County FHA Loan Calculator

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

Loan Details

Tioga County, PA Benchmarks

FHA averages
Typical Property Value$215,115
Average Down Payment10.5%
Average Interest Rate6.496%
Effective Tax Rate1.01%
Median Tax Paid$2,078/yr
Tax Growth (Historical)-3.7%
Based on 87 regional loans totaling $16,385,000 (HMDA database).
$
%

$22,587 down · $192,528 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$181 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,651/mo

  • Principal & Interest$1,238
  • Property Tax$181
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$195,897

Total Interest

$249,856

Total of Payments

$445,753

*Includes financed FHA Upfront MIP of $3,369

Local Market Insights

Tioga County FHA Mortgage Overview

Tioga County’s FHA market, with a 10.52% down payment and 89.48% loan-to-value, offers accessible entry for owner-occupants. However, this FHA loan carries mandatory MIP for the loan’s life, regardless of equity growth—ideal for buyers with sub-620 credit. The 1.01% effective tax rate, down 3.7% after inflation, slightly improves monthly affordability. When evaluating a Tioga County FHA mortgage with property taxes, the low down payment and stable tax environment reduce upfront burden, but the permanent MIP impacts long-term cost. For Tioga County FHA loan limits, this data reflects standard primary residence purchases, not investments.

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.