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Wyoming County FHA Loan Calculator

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

Loan Details

Wyoming County, PA Benchmarks

FHA averages
Typical Property Value$265,164
Average Down Payment15.1%
Average Interest Rate6.314%
Effective Tax Rate1.24%
Median Tax Paid$2,817/yr
Tax Growth (Historical)-1.1%
Based on 61 regional loans totaling $13,275,000 (HMDA database).
$
%

$40,040 down · $225,124 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$274 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,939/mo

  • Principal & Interest$1,419
  • Property Tax$274
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$229,064

Total Interest

$281,897

Total of Payments

$510,961

*Includes financed FHA Upfront MIP of $3,940

Local Market Insights

Wyoming County FHA Mortgage Overview

For Wyoming County homebuyers utilizing an FHA loan, the 15.13% average down payment provides accessible entry into a market with an average property value of $265,164. However, this down payment level mandates Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of equity growth, making it ideal for those with sub-620 credit scores seeking owner-occupied homes. The 84.87% loan-to-value ratio reinforces this risk profile. The effective property tax rate of 1.24% adds $274 monthly to affordability, though the recent -1.1% inflation-adjusted tax shift offers slight relief, a key factor for any Wyoming County FHA mortgage analysis with property taxes.

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.