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Marlboro County FHA Loan Calculator

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

Loan Details

Marlboro County, SC Benchmarks

FHA averages
Typical Property Value$188,443
Average Down Payment11.6%
Average Interest Rate6.446%
Effective Tax Rate0.51%
Median Tax Paid$496/yr
Tax Growth (Historical)+1.3%
Based on 61 regional loans totaling $9,925,000 (HMDA database).
$
%

$21,859 down · $166,584 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$80 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,366/mo

  • Principal & Interest$1,066
  • Property Tax$80
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$169,499

Total Interest

$214,182

Total of Payments

$383,681

*Includes financed FHA Upfront MIP of $2,915

Local Market Insights

Marlboro County FHA Mortgage Overview

For Marlboro County homebuyers using an FHA loan, the 11.55% down payment and 88.45% loan-to-value (LTV) ratio provide accessible entry, especially for those with sub-620 credit scores. However, this structure mandates Mortgage Insurance Premiums (MIP) for the entire loan term, a key consideration when evaluating an FHA loan with PMI and taxes in Marlboro County, SC. The local effective property tax rate of 0.51%, coupled with a 1.3% inflation-adjusted increase, keeps monthly tax costs low but rising. For those exploring FHA loan down payment options in Marlboro County, South Carolina, this data reflects standard owner-occupied purchases, not investments, ensuring stable occupancy risk.

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.