Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Texas>Nacogdoches County (FHA)

Nacogdoches County FHA Loan Calculator

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

Loan Details

Nacogdoches County, TX Benchmarks

FHA averages
Typical Property Value$244,910
Average Down Payment6.1%
Average Interest Rate6.577%
Effective Tax Rate0.86%
Median Tax Paid$1,399/yr
Tax Growth (Historical)-7.3%
Based on 111 regional loans totaling $25,435,000 (HMDA database).
$
%

$14,940 down · $229,970 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$176 / month

$

Annual premium

$

Per month

%

$97 / month

Estimated Monthly Payment

$1,914/mo

  • Principal & Interest$1,491
  • Property Tax$176
  • Home Insurance$150
  • FHA MIP$97
Amortization · Remaining Balance

Financed Loan Amount

$233,995

Total Interest

$302,887

Total of Payments

$536,882

*Includes financed FHA Upfront MIP of $4,024

Local Market Insights

Nacogdoches County FHA Mortgage Overview

In Nacogdoches County, an FHA loan with a 6.10% down payment on a $244,909 average property offers accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life. With a 93.90% loan-to-value ratio and 100% owner-occupancy, this data reflects standard homebuyers. The 0.86% effective property tax rate, combined with a -7.3% inflation-adjusted tax change, slightly reduces monthly carrying costs, improving true affordability for those using an FHA loan down payment tool with PMI and 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.