Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Puerto Rico>San Sebastián Municipio (FHA)

San Sebastián Municipio FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for San Sebastián Municipio, Puerto Rico based on real HMDA transaction records.

Loan Details

San Sebastián Municipio, PR Benchmarks

FHA averages
Typical Property Value$189,400
Average Down Payment10.5%
Average Interest Rate5.892%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 50 regional loans totaling $7,560,000 (HMDA database).
$
%

$19,887 down · $169,513 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$174 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,417/mo

  • Principal & Interest$1,022
  • Property Tax$174
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$172,479

Total Interest

$195,417

Total of Payments

$367,897

*Includes financed FHA Upfront MIP of $2,966

Local Market Insights

San Sebastián Municipio FHA Mortgage Overview

For San Sebastián Municipio homebuyers using an FHA loan, the 10.50% weighted average down payment on a median property value of $189,400 provides accessible entry, but note that FHA loans require mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of this down payment. The 89.50% median Loan-to-Value (LTV) ratio confirms most buyers are not building quick equity, making this ideal for those with sub-620 credit scores. With no effective property tax rate data available, monthly affordability hinges solely on the 5.892% interest rate and MIP costs. This data reflects 100% primary occupancy, not investment properties.

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.