Williamsburg County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Williamsburg County, SC Benchmarks

FHA averages

Typical Property Value$207,603

Average Down Payment12.1%

Average Interest Rate6.297%

Effective Tax Rate0.62%

Median Tax Paid$687/yr

Tax Growth (Historical)+5.8%

Based on 74 regional loans totaling $12,900,000 (HMDA database).

Home Price

Down Payment

$25,120 down · $182,483 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$107 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$77 / month

Estimated Monthly Payment

$1,484/mo

Principal & Interest$1,149
Property Tax$107
Home Insurance$150
FHA MIP$77

Amortization · Remaining Balance

Financed Loan Amount

$185,676

Total Interest

$228,067

Total of Payments

$413,743

*Includes financed FHA Upfront MIP of $3,193

Local Market Insights

Williamsburg County FHA Mortgage Overview

In Williamsburg County, the 12.10% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life—ideal for buyers with sub-620 credit. The 87.90% LTV ratio confirms low equity at purchase, locking in MIP permanently. Property taxes at 0.62% with a 5.8% inflation-adjusted increase modestly raise monthly costs, though affordability remains strong for primary residences. For a precise FHA loan down payment and tax estimate in Williamsburg County, SC, consider these dynamic factors impacting true monthly 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.