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Jackson County FHA Loan Calculator

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

Loan Details

Jackson County, TX Benchmarks

FHA averages
Typical Property Value$210,333
Average Down Payment4.8%
Average Interest Rate6.567%
Effective Tax Rate1.06%
Median Tax Paid$2,085/yr
Tax Growth (Historical)+9.5%
Based on 45 regional loans totaling $8,935,000 (HMDA database).
$
%

$10,096 down · $200,237 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$186 / month

$

Annual premium

$

Per month

%

$93 / month

Estimated Monthly Payment

$1,726/mo

  • Principal & Interest$1,297
  • Property Tax$186
  • Home Insurance$150
  • FHA MIP$93
Amortization · Remaining Balance

Financed Loan Amount

$203,741

Total Interest

$263,242

Total of Payments

$466,983

*Includes financed FHA Upfront MIP of $3,504

Local Market Insights

Jackson County FHA Mortgage Overview

For Jackson County homebuyers, the 4.81% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life. The 95.19% LTV ratio confirms minimal equity, making this ideal for those with sub-620 credit seeking primary residences. With a 1.06% property tax rate and a 9.5% inflation-adjusted tax increase, monthly affordability tightens. When evaluating an FHA loan with PMI and taxes in Jackson County, TX, the $210,333 average property value and 6.567% interest rate mean higher recurring costs. Jackson County FHA loan limits and tax considerations are critical here, as the tax shift directly impacts long-term budgeting.

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.