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York County FHA Loan Calculator

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

Loan Details

York County, PA Benchmarks

FHA averages
Typical Property Value$297,863
Average Down Payment10.2%
Average Interest Rate6.357%
Effective Tax Rate1.54%
Median Tax Paid$4,006/yr
Tax Growth (Historical)-1.5%
Based on 1,832 regional loans totaling $479,790,000 (HMDA database).
$
%

$30,382 down · $267,481 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$382 / month

$

Annual premium

$

Per month

%

$113 / month

Estimated Monthly Payment

$2,341/mo

  • Principal & Interest$1,695
  • Property Tax$382
  • Home Insurance$150
  • FHA MIP$113
Amortization · Remaining Balance

Financed Loan Amount

$272,162

Total Interest

$338,134

Total of Payments

$610,296

*Includes financed FHA Upfront MIP of $4,681

Local Market Insights

York County FHA Mortgage Overview

York County’s FHA market shows a 10.22% down payment, providing accessible entry but requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for buyers with sub-620 credit. The 89.78% LTV and 100% owner-occupancy confirm standard purchases, not investments. At a 1.54% effective property tax rate, the recent -1.5% inflation-adjusted shift slightly eases monthly affordability. For York County FHA loan limits and tax considerations, this data helps evaluate your FHA down payment and PMI costs, especially when comparing property tax impacts on total housing expense.

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.