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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, TX Benchmarks

FHA averages
Typical Property Value$237,578
Average Down Payment4.8%
Average Interest Rate6.398%
Effective Tax Rate1.50%
Median Tax Paid$2,600/yr
Tax Growth (Historical)+0.4%
Based on 900 regional loans totaling $205,160,000 (HMDA database).
$
%

$11,404 down · $226,174 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$297 / month

$

Annual premium

$

Per month

%

$105 / month

Estimated Monthly Payment

$1,992/mo

  • Principal & Interest$1,439
  • Property Tax$297
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$230,132

Total Interest

$288,085

Total of Payments

$518,217

*Includes financed FHA Upfront MIP of $3,958

Local Market Insights

Jefferson County FHA Mortgage Overview

In Jefferson County, the average 4.75% down payment on an FHA loan unlocks accessible entry for owner-occupants, yet mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s lifetime due to the 95.25% loan-to-value ratio. This FHA structure is ideal for buyers with sub-620 credit, as it does not allow cancellation. The 1.50% effective property tax rate, coupled with a 0.4% inflation-adjusted increase, adds roughly $29 monthly to a $237,578 property. When evaluating Jefferson County FHA loan limits and property taxes, remember that MIP and these rising taxes directly impact true monthly affordability 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.