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Hardin County FHA Loan Calculator

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

Loan Details

Hardin County, TN Benchmarks

FHA averages
Typical Property Value$253,559
Average Down Payment12.9%
Average Interest Rate6.326%
Effective Tax Rate0.43%
Median Tax Paid$658/yr
Tax Growth (Historical)-4.2%
Based on 118 regional loans totaling $25,160,000 (HMDA database).
$
%

$32,709 down · $220,850 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$91 / month

$

Annual premium

$

Per month

%

$94 / month

Estimated Monthly Payment

$1,730/mo

  • Principal & Interest$1,395
  • Property Tax$91
  • Home Insurance$150
  • FHA MIP$94
Amortization · Remaining Balance

Financed Loan Amount

$224,715

Total Interest

$277,601

Total of Payments

$502,315

*Includes financed FHA Upfront MIP of $3,865

Local Market Insights

Hardin County FHA Mortgage Overview

Hardin County FHA buyers benefit from the market's accessible entry point. The 12.89% weighted average down payment is higher than the FHA minimum, reducing monthly principal but triggering mandatory Mortgage Insurance Premiums (MIP) for the loan's life—a key factor when evaluating an FHA loan with PMI and taxes. With an 87.11% LTV and 100% primary occupancy, this market is dominated by owner-occupants. The effective property tax rate of 0.43% is low, and the -4.2% inflation-adjusted tax shift further enhances affordability. For accurate budgeting, consider Hardin County FHA loan limits and tax impacts alongside MIP.

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.