San Jacinto County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

San Jacinto County, TX Benchmarks

FHA averages

Typical Property Value$249,881

Average Down Payment4.3%

Average Interest Rate6.424%

Effective Tax Rate0.94%

Median Tax Paid$2,066/yr

Tax Growth (Historical)-3.9%

Based on 84 regional loans totaling $19,970,000 (HMDA database).

Home Price

Down Payment

$10,745 down · $239,136 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

$196 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$112 / month

Estimated Monthly Payment

$1,982/mo

Principal & Interest$1,525
Property Tax$196
Home Insurance$150
FHA MIP$112

Amortization · Remaining Balance

Financed Loan Amount

$243,321

Total Interest

$305,742

Total of Payments

$549,063

*Includes financed FHA Upfront MIP of $4,185

Local Market Insights

San Jacinto County FHA Mortgage Overview

For homebuyers in San Jacinto County, the average FHA loan entry point is highly accessible, with a 4.29% down payment on a $249,881 property. This low barrier is ideal for those with sub-620 credit scores, but note that the 95.71% Loan-to-Value ratio mandates Mortgage Insurance Premiums (MIP) for the life of the loan. The 0.94% effective property tax rate, combined with a recent inflation-adjusted tax decrease of -3.9%, slightly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in San Jacinto County, TX, the lower tax burden helps offset the permanent MIP cost. This data reflects 100% primary residence purchases, confirming a stable owner-occupied market.

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.