Hays County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Hays County, TX Benchmarks

FHA averages

Typical Property Value$332,800

Average Down Payment5.5%

Average Interest Rate5.180%

Effective Tax Rate1.40%

Median Tax Paid$6,649/yr

Tax Growth (Historical)+0.5%

Based on 1,960 regional loans totaling $628,080,000 (HMDA database).

Home Price

Down Payment

$18,304 down · $314,496 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

$388 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$133 / month

Estimated Monthly Payment

$2,425/mo

Principal & Interest$1,753
Property Tax$388
Home Insurance$150
FHA MIP$133

Amortization · Remaining Balance

Financed Loan Amount

$320,000

Total Interest

$311,153

Total of Payments

$631,153

*Includes financed FHA Upfront MIP of $5,504

Local Market Insights

Hays County FHA Mortgage Overview

For Hays County homebuyers, the 5.45% down payment on an FHA loan offers accessible entry, but the 94.55% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. This is ideal for those with sub-620 credit seeking an FHA loan down payment calculator in Hays County, Texas context. The 1.40% effective property tax rate, adjusted upward 0.5% for inflation, significantly impacts monthly affordability. A typical $332,800 property carries ~$388 monthly taxes, requiring a thorough FHA loan calculator with PMI and taxes in Hays County, TX evaluation. All data reflects owner-occupied 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.