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Barnwell County FHA Loan Calculator

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

Loan Details

Barnwell County, SC Benchmarks

FHA averages
Typical Property Value$224,552
Average Down Payment13.9%
Average Interest Rate6.489%
Effective Tax Rate0.60%
Median Tax Paid$775/yr
Tax Growth (Historical)+4.9%
Based on 68 regional loans totaling $12,430,000 (HMDA database).
$
%

$31,213 down · $193,339 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,586/mo

  • Principal & Interest$1,242
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$196,723

Total Interest

$250,443

Total of Payments

$447,166

*Includes financed FHA Upfront MIP of $3,383

Local Market Insights

Barnwell County FHA Mortgage Overview

Barnwell County FHA buyers benefit from the 13.87% down payment, which lowers the upfront cash needed but triggers mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with a sub-620 credit score. The 86.13% loan-to-value ratio confirms this is a low-equity entry, with 100% primary occupancy reducing risk. The effective property tax rate of 0.60% is modest, but the recent 4.9% inflation-adjusted tax shift will increase monthly costs. When evaluating an FHA loan with PMI and taxes in Barnwell County, SC, these factors directly shape true affordability.

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.