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Kerr County FHA Loan Calculator

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

Loan Details

Kerr County, TX Benchmarks

FHA averages
Typical Property Value$305,233
Average Down Payment6.1%
Average Interest Rate6.039%
Effective Tax Rate0.89%
Median Tax Paid$3,103/yr
Tax Growth (Historical)-3.4%
Based on 129 regional loans totaling $37,205,000 (HMDA database).
$
%

$18,619 down · $286,614 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$226 / month

$

Annual premium

$

Per month

%

$122 / month

Estimated Monthly Payment

$2,254/mo

  • Principal & Interest$1,756
  • Property Tax$226
  • Home Insurance$150
  • FHA MIP$122
Amortization · Remaining Balance

Financed Loan Amount

$291,630

Total Interest

$340,521

Total of Payments

$632,150

*Includes financed FHA Upfront MIP of $5,016

Local Market Insights

Kerr County FHA Mortgage Overview

For Kerr County homebuyers using an FHA loan, the 6.12% down payment provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan due to the 93.88% loan-to-value ratio—ideal for those with sub-620 credit. With an average property value of $305,232.56 and a 6.039% rate, the effective property tax rate of 0.89% adds roughly $226 monthly. The recent -3.4% inflation-adjusted tax shift offers slight relief, improving true monthly affordability when using a Kerr County FHA mortgage calculator with property taxes.

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.