Uintah County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Uintah County, UT Benchmarks

FHA averages

Typical Property Value$341,677

Average Down Payment9.8%

Average Interest Rate6.189%

Effective Tax Rate0.49%

Median Tax Paid$1,523/yr

Tax Growth (Historical)+2.1%

Based on 314 regional loans totaling $93,720,000 (HMDA database).

Home Price

Down Payment

$33,484 down · $308,193 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

$140 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$131 / month

Estimated Monthly Payment

$2,339/mo

Principal & Interest$1,919
Property Tax$140
Home Insurance$150
FHA MIP$131

Amortization · Remaining Balance

Financed Loan Amount

$313,586

Total Interest

$377,104

Total of Payments

$690,690

*Includes financed FHA Upfront MIP of $5,393

Local Market Insights

Uintah County FHA Mortgage Overview

For Uintah County homebuyers using an FHA loan, the 9.75% weighted average down payment and 90.25% loan-to-value ratio provide accessible entry, but mandatory Mortgage Insurance Premiums apply for the loan's life. This structure suits buyers with sub-620 credit scores seeking owner-occupied homes. The effective 0.49% property tax rate is moderate, though the 2.1% inflation-adjusted increase will modestly raise monthly costs. When evaluating an FHA loan in Uintah County, UT, factor in these permanent MIP costs alongside property taxes to gauge true affordability.

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.