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Piute County FHA Loan Calculator

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

Loan Details

Piute County, UT Benchmarks

FHA averages
Typical Property Value$375,000
Average Down Payment22.7%
Average Interest Rate6.154%
Effective Tax Rate0.32%
Median Tax Paid$939/yr
Tax Growth (Historical)-10.2%
Based on 5 regional loans totaling $1,285,000 (HMDA database).
$
%

$85,125 down · $289,875 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$100 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$2,170/mo

  • Principal & Interest$1,797
  • Property Tax$100
  • Home Insurance$150
  • FHA MIP$123
Amortization · Remaining Balance

Financed Loan Amount

$294,948

Total Interest

$351,938

Total of Payments

$646,886

*Includes financed FHA Upfront MIP of $5,073

Local Market Insights

Piute County FHA Mortgage Overview

For Piute County homebuyers, the 22.71% average down payment on an FHA loan provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this equity stake. With a 77.29% loan-to-value ratio and 100% owner-occupancy, this market favors buyers with sub-620 credit scores seeking stable financing. The effective 0.32% property tax rate and recent -10.2% inflation-adjusted reduction lower true monthly affordability, a key factor when using a Piute County FHA mortgage tool with property taxes. For precise budgeting, explore FHA loan down payment options and local tax impacts.

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.