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Crosby County FHA Loan Calculator

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

Loan Details

Crosby County, TX Benchmarks

FHA averages
Typical Property Value$151,667
Average Down Payment3.0%
Average Interest Rate6.639%
Effective Tax Rate1.16%
Median Tax Paid$1,480/yr
Tax Growth (Historical)+6.7%
Based on 12 regional loans totaling $1,710,000 (HMDA database).
$
%

$4,550 down · $147,117 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$147 / month

$

Annual premium

$

Per month

%

$69 / month

Estimated Monthly Payment

$1,325/mo

  • Principal & Interest$960
  • Property Tax$147
  • Home Insurance$150
  • FHA MIP$69
Amortization · Remaining Balance

Financed Loan Amount

$149,692

Total Interest

$195,900

Total of Payments

$345,592

*Includes financed FHA Upfront MIP of $2,575

Local Market Insights

Crosby County FHA Mortgage Overview

In Crosby County, the 3.05% FHA down payment provides accessible entry, but the 96.95% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, making this ideal for buyers with sub-620 credit. The 1.16% effective property tax rate, with a recent 6.7% inflation-adjusted increase, directly impacts monthly affordability. For those exploring an FHA loan calculator with PMI and taxes in Crosby County, TX, or an FHA mortgage calculator with property taxes, note that these tax shifts raise true monthly costs. All data reflects 100% primary owner-occupied purchases, 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.