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Harris County FHA Loan Calculator

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

Loan Details

Harris County, TX Benchmarks

FHA averages
Typical Property Value$301,778
Average Down Payment4.7%
Average Interest Rate5.857%
Effective Tax Rate1.50%
Median Tax Paid$4,489/yr
Tax Growth (Historical)-0.6%
Based on 15,071 regional loans totaling $4,357,325,000 (HMDA database).
$
%

$14,184 down · $287,594 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$377 / month

$

Annual premium

$

Per month

%

$134 / month

Estimated Monthly Payment

$2,390/mo

  • Principal & Interest$1,728
  • Property Tax$377
  • Home Insurance$150
  • FHA MIP$134
Amortization · Remaining Balance

Financed Loan Amount

$292,627

Total Interest

$329,524

Total of Payments

$622,151

*Includes financed FHA Upfront MIP of $5,033

Local Market Insights

Harris County FHA Mortgage Overview

For Harris County homebuyers, an FHA loan with a 4.66% down payment and 95.34% LTV offers accessible entry, but requires mandatory MIP for the loan’s life, benefiting those with sub-620 credit. The 1.50% property tax rate, with a -0.6% inflation-adjusted shift, slightly eases monthly costs. When using an FHA loan calculator with PMI and taxes in Harris County, TX, note that the average $301,777 property at 5.857% interest means these taxes significantly impact true affordability, especially for primary residences.

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.