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Guadalupe County FHA Loan Calculator

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

Loan Details

Guadalupe County, TX Benchmarks

FHA averages
Typical Property Value$284,133
Average Down Payment4.4%
Average Interest Rate5.230%
Effective Tax Rate1.19%
Median Tax Paid$4,343/yr
Tax Growth (Historical)-1.3%
Based on 1,825 regional loans totaling $499,685,000 (HMDA database).
$
%

$12,502 down · $271,631 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$282 / month

$

Annual premium

$

Per month

%

$127 / month

Estimated Monthly Payment

$2,081/mo

  • Principal & Interest$1,523
  • Property Tax$282
  • Home Insurance$150
  • FHA MIP$127
Amortization · Remaining Balance

Financed Loan Amount

$276,385

Total Interest

$271,818

Total of Payments

$548,202

*Includes financed FHA Upfront MIP of $4,754

Local Market Insights

Guadalupe County FHA Mortgage Overview

In Guadalupe County, the 4.40% average down payment on FHA loans confirms this market's accessibility for buyers with limited savings. With a 95.60% LTV, mandatory MIP applies for the loan's life, making this structure ideal for those with sub-620 credit seeking entry. The 1.19% effective property tax rate, adjusted down -1.3% for inflation, slightly eases monthly costs. When assessing an FHA loan with PMI and taxes in Guadalupe County, TX, this lower tax burden offsets some MIP expense. The average property value of $284,133.30 and 5.230% rate mean buyers should focus on total monthly affordability, as FHA loan limits and property taxes in Guadalupe County directly impact cash flow.

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.