Johnson County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Johnson County, TX Benchmarks

FHA averages

Typical Property Value$338,385

Average Down Payment4.9%

Average Interest Rate5.800%

Effective Tax Rate1.19%

Median Tax Paid$3,557/yr

Tax Growth (Historical)+5.9%

Based on 1,689 regional loans totaling $546,215,000 (HMDA database).

Home Price

Down Payment

$16,581 down · $321,804 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

$336 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$150 / month

Estimated Monthly Payment

$2,557/mo

Principal & Interest$1,921
Property Tax$336
Home Insurance$150
FHA MIP$150

Amortization · Remaining Balance

Financed Loan Amount

$327,436

Total Interest

$364,210

Total of Payments

$691,646

*Includes financed FHA Upfront MIP of $5,632

Local Market Insights

Johnson County FHA Mortgage Overview

Johnson County’s FHA market shows accessible entry with a 4.86% down payment on a $338,384 average property. This low barrier, however, comes with mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, given the 95.14% LTV ratio—ideal for buyers with sub-620 credit seeking primary residence financing. The effective property tax rate of 1.19% adds $336 monthly, and the recent 5.9% inflation-adjusted tax shift will further strain affordability. When evaluating an FHA loan with PMI and taxes in Johnson County, TX, or reviewing Johnson County FHA loan limits, remember MIP never drops, unlike conventional loans.

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.