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Upton County FHA Loan Calculator

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

Loan Details

Upton County, TX Benchmarks

FHA averages
Typical Property Value$175,909
Average Down Payment3.3%
Average Interest Rate6.827%
Effective Tax Rate1.07%
Median Tax Paid$1,177/yr
Tax Growth (Historical)-4.6%
Based on 11 regional loans totaling $1,885,000 (HMDA database).
$
%

$5,805 down · $170,104 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$157 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,518/mo

  • Principal & Interest$1,132
  • Property Tax$157
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$173,081

Total Interest

$234,374

Total of Payments

$407,455

*Includes financed FHA Upfront MIP of $2,977

Local Market Insights

Upton County FHA Mortgage Overview

In Upton County, the FHA loan market shows a highly accessible entry point with a 3.30% weighted average down payment on a $175,909 property. This low barrier, combined with a 96.70% LTV ratio, confirms FHA is ideal for buyers with sub-620 credit, though it mandates MIP for the loan's life. The effective 1.07% property tax rate and recent -4.6% inflation-adjusted tax decrease modestly improve monthly affordability. For those using an FHA loan calculator with PMI and taxes in Upton County, TX, the lower tax burden partially offsets the persistent MIP cost, making this 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.