Calhoun County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Calhoun County, TX Benchmarks

FHA averages

Typical Property Value$250,882

Average Down Payment6.2%

Average Interest Rate6.462%

Effective Tax Rate1.00%

Median Tax Paid$2,153/yr

Tax Growth (Historical)-0.3%

Based on 51 regional loans totaling $11,585,000 (HMDA database).

Home Price

Down Payment

$15,555 down · $235,327 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

$209 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$100 / month

Estimated Monthly Payment

$1,966/mo

Principal & Interest$1,507
Property Tax$209
Home Insurance$150
FHA MIP$100

Amortization · Remaining Balance

Financed Loan Amount

$239,446

Total Interest

$303,134

Total of Payments

$542,580

*Includes financed FHA Upfront MIP of $4,118

Local Market Insights

Calhoun County FHA Mortgage Overview

The Calhoun County, TX market shows strong FHA utilization with a 6.18% down payment and a 93.82% LTV, providing accessible entry for primary residence buyers. However, FHA MIP is required for the loan's life regardless of this low down payment, making it ideal for those with sub-620 credit. The 1.00% effective property tax rate, with a -0.3% inflation-adjusted decrease, eases monthly affordability slightly. For an FHA loan with PMI and taxes in Calhoun County, TX, or when reviewing Calhoun County FHA loan limits, this data confirms a stable owner-occupied market with manageable tax impacts.

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.