Sabine County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Sabine County, TX Benchmarks

FHA averages

Typical Property Value$245,909

Average Down Payment9.5%

Average Interest Rate6.403%

Effective Tax Rate0.79%

Median Tax Paid$1,260/yr

Tax Growth (Historical)-7.1%

Based on 22 regional loans totaling $4,740,000 (HMDA database).

Home Price

Down Payment

$23,361 down · $222,548 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

$162 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$94 / month

Estimated Monthly Payment

$1,823/mo

Principal & Interest$1,416
Property Tax$162
Home Insurance$150
FHA MIP$94

Amortization · Remaining Balance

Financed Loan Amount

$226,442

Total Interest

$283,465

Total of Payments

$509,907

*Includes financed FHA Upfront MIP of $3,895

Local Market Insights

Sabine County FHA Mortgage Overview

Sabine County FHA buyers benefit from the low 9.49% down payment, offering accessible entry. However, with a 90.51% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, making this ideal for those with sub-620 credit. The 0.79% effective property tax rate and recent -7.1% inflation-adjusted decline reduce monthly carrying costs. When evaluating an FHA loan with PMI and taxes in Sabine County, TX, or considering Sabine County FHA loan limits and tax impacts, note that all data reflects 100% 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.