Live Oak County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Live Oak County, TX Benchmarks

FHA averages

Typical Property Value$263,462

Average Down Payment4.9%

Average Interest Rate6.432%

Effective Tax Rate0.75%

Median Tax Paid$1,525/yr

Tax Growth (Historical)+17.9%

Based on 26 regional loans totaling $6,550,000 (HMDA database).

Home Price

Down Payment

$12,910 down · $250,552 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

$165 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$117 / month

Estimated Monthly Payment

$2,031/mo

Principal & Interest$1,600
Property Tax$165
Home Insurance$150
FHA MIP$117

Amortization · Remaining Balance

Financed Loan Amount

$254,937

Total Interest

$320,940

Total of Payments

$575,877

*Includes financed FHA Upfront MIP of $4,385

Local Market Insights

Live Oak County FHA Mortgage Overview

Live Oak County’s FHA market shows accessible entry with a 4.87% down payment and a 95.13% LTV, ideal for buyers with sub-620 credit. However, this low equity means mandatory MIP for the loan’s life, unlike conventional loans. The 0.75% effective tax rate, combined with a 17.9% inflation-adjusted increase, significantly impacts monthly affordability. For accurate budgeting of an FHA loan with PMI and taxes in Live Oak County, TX, consider both the 6.432% interest rate and this rising tax burden. All data reflects primary residences, not investments.

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.