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Beaufort County FHA Loan Calculator

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

Loan Details

Beaufort County, SC Benchmarks

FHA averages
Typical Property Value$412,013
Average Down Payment13.5%
Average Interest Rate6.134%
Effective Tax Rate0.50%
Median Tax Paid$2,174/yr
Tax Growth (Historical)+4.3%
Based on 519 regional loans totaling $177,105,000 (HMDA database).
$
%

$55,622 down · $356,391 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$172 / month

$

Annual premium

$

Per month

%

$151 / month

Estimated Monthly Payment

$2,677/mo

  • Principal & Interest$2,205
  • Property Tax$172
  • Home Insurance$150
  • FHA MIP$151
Amortization · Remaining Balance

Financed Loan Amount

$362,628

Total Interest

$431,006

Total of Payments

$793,634

*Includes financed FHA Upfront MIP of $6,237

Local Market Insights

Beaufort County FHA Mortgage Overview

In Beaufort County, the 13.49% average down payment for FHA loans—paired with an 86.51% LTV—keeps entry accessible but mandates Mortgage Insurance Premiums (MIP) for the loan’s life, even with this equity. This is ideal for buyers with sub-620 credit scores seeking primary residences. The effective 0.50% property tax rate on a $412,013.49 home, adjusted upward by 4.3% for inflation, adds significant monthly cost. For accurate projections using an FHA loan calculator with PMI and taxes in Beaufort County, SC, or an FHA loan down payment calculator in Beaufort County, South Carolina, this data highlights how MIP and rising taxes impact 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.