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Georgetown County FHA Loan Calculator

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

Loan Details

Georgetown County, SC Benchmarks

FHA averages
Typical Property Value$303,475
Average Down Payment13.3%
Average Interest Rate6.263%
Effective Tax Rate0.41%
Median Tax Paid$1,190/yr
Tax Growth (Historical)+3.3%
Based on 177 regional loans totaling $44,795,000 (HMDA database).
$
%

$40,362 down · $263,113 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$104 / month

$

Annual premium

$

Per month

%

$112 / month

Estimated Monthly Payment

$2,015/mo

  • Principal & Interest$1,650
  • Property Tax$104
  • Home Insurance$150
  • FHA MIP$112
Amortization · Remaining Balance

Financed Loan Amount

$267,717

Total Interest

$326,327

Total of Payments

$594,044

*Includes financed FHA Upfront MIP of $4,604

Local Market Insights

Georgetown County FHA Mortgage Overview

Georgetown County FHA buyers benefit from a low 13.32% down payment, enabling accessible entry despite the 6.263% interest rate. However, with an 86.68% LTV ratio, mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, ideal for those with sub-620 credit. The 0.41% effective property tax rate, adjusted upward 3.3% for inflation, keeps monthly costs manageable for primary residences. When evaluating an FHA loan down payment scenario in Georgetown County, SC, factoring this tax shift into your budget is critical. For precise affordability, consider an FHA mortgage tool with property taxes to project true monthly costs.

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.