Washington County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Washington County, UT Benchmarks

FHA averages

Typical Property Value$435,814

Average Down Payment7.2%

Average Interest Rate6.040%

Effective Tax Rate0.41%

Median Tax Paid$2,158/yr

Tax Growth (Historical)+0.8%

Based on 823 regional loans totaling $323,725,000 (HMDA database).

Home Price

Down Payment

$31,379 down · $404,435 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

$149 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$171 / month

Estimated Monthly Payment

$2,948/mo

Principal & Interest$2,478
Property Tax$149
Home Insurance$150
FHA MIP$171

Amortization · Remaining Balance

Financed Loan Amount

$411,513

Total Interest

$480,503

Total of Payments

$892,016

*Includes financed FHA Upfront MIP of $7,078

Local Market Insights

Washington County FHA Mortgage Overview

In Washington County, the 7.17% average down payment on FHA loans provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) is required for the loan’s life, even with this equity. The 92.83% loan-to-value ratio confirms a low-down-payment risk profile, ideal for buyers with sub-620 credit. The 0.41% effective property tax rate, with a 0.8% inflation-adjusted increase, keeps monthly costs manageable. For an FHA loan calculator with PMI and taxes in Washington County, UT, these figures show true affordability. This data reflects 100% primary occupancy, not investor purchases.

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.