Wilbarger County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Wilbarger County, TX Benchmarks

FHA averages

Typical Property Value$178,750

Average Down Payment5.2%

Average Interest Rate6.403%

Effective Tax Rate1.48%

Median Tax Paid$1,432/yr

Tax Growth (Historical)-4.6%

Based on 24 regional loans totaling $4,070,000 (HMDA database).

Home Price

Down Payment

$9,295 down · $169,455 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

$220 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$72 / month

Estimated Monthly Payment

$1,521/mo

Principal & Interest$1,079
Property Tax$220
Home Insurance$150
FHA MIP$72

Amortization · Remaining Balance

Financed Loan Amount

$172,420

Total Interest

$215,840

Total of Payments

$388,260

*Includes financed FHA Upfront MIP of $2,965

Local Market Insights

Wilbarger County FHA Mortgage Overview

In Wilbarger County, FHA buyers leverage a 5.15% down payment and a 94.85% loan-to-value ratio, providing accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. This suits sub-620 credit profiles. The 1.48% effective property tax rate, with a recent -4.6% inflation-adjusted decline, slightly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Wilbarger County, TX, or Wilbarger County FHA loan limits, remember MIP is permanent. This owner-occupied data reflects standard homebuyers, not investors.

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.