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Loudon County FHA Loan Calculator

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

Loan Details

Loudon County, TN Benchmarks

FHA averages
Typical Property Value$340,531
Average Down Payment13.5%
Average Interest Rate6.339%
Effective Tax Rate0.34%
Median Tax Paid$1,162/yr
Tax Growth (Historical)-3.1%
Based on 273 regional loans totaling $77,465,000 (HMDA database).
$
%

$45,972 down · $294,559 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$96 / month

$

Annual premium

$

Per month

%

$125 / month

Estimated Monthly Payment

$2,234/mo

  • Principal & Interest$1,863
  • Property Tax$96
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$299,714

Total Interest

$370,955

Total of Payments

$670,669

*Includes financed FHA Upfront MIP of $5,155

Local Market Insights

Loudon County FHA Mortgage Overview

Loudon County’s FHA buyers are leveraging a 13.54% down payment on a $340,531 average property, well above the 3.5% minimum. This reduces the loan amount but still triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, as the 86.46% LTV ratio confirms. The 0.34% effective property tax rate is low, and the -3.1% inflation-adjusted tax change provides slight monthly relief. For those exploring FHA loan limits and tax impacts in Loudon County, TN, this market favors buyers with sub-620 credit seeking accessible entry, though the MIP is permanent regardless of equity. All 100% of purchases are primary residences, not investments.

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.