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Johnson County FHA Loan Calculator

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

Loan Details

Johnson County, TN Benchmarks

FHA averages
Typical Property Value$264,434
Average Down Payment17.8%
Average Interest Rate6.338%
Effective Tax Rate0.34%
Median Tax Paid$710/yr
Tax Growth (Historical)+2.3%
Based on 53 regional loans totaling $11,125,000 (HMDA database).
$
%

$47,069 down · $217,365 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$75 / month

$

Annual premium

$

Per month

%

$92 / month

Estimated Monthly Payment

$1,692/mo

  • Principal & Interest$1,375
  • Property Tax$75
  • Home Insurance$150
  • FHA MIP$92
Amortization · Remaining Balance

Financed Loan Amount

$221,169

Total Interest

$273,740

Total of Payments

$494,908

*Includes financed FHA Upfront MIP of $3,804

Local Market Insights

Johnson County FHA Mortgage Overview

For Johnson County homebuyers using an FHA loan, the 17.83% average down payment and 82.17% loan-to-value ratio provide accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of equity. With a low 0.34% property tax rate and a 2.3% inflation-adjusted increase, monthly affordability remains stable. The $264,433 average property value and 6.338% interest rate mean an FHA loan with PMI and taxes in Johnson County, TN requires careful budgeting. The 100% primary occupancy rate confirms this data reflects owner-occupied purchases, not investments. This market suits buyers with sub-620 credit scores seeking predictable 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.