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Arlington County FHA Loan Calculator

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

Loan Details

Arlington County, VA Benchmarks

FHA averages
Typical Property Value$613,235
Average Down Payment15.3%
Average Interest Rate5.996%
Effective Tax Rate0.85%
Median Tax Paid$8,153/yr
Tax Growth (Historical)+1.7%
Based on 68 regional loans totaling $32,680,000 (HMDA database).
$
%

$93,825 down · $519,410 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$434 / month

$

Annual premium

$

Per month

%

$220 / month

Estimated Monthly Payment

$3,973/mo

  • Principal & Interest$3,169
  • Property Tax$434
  • Home Insurance$150
  • FHA MIP$220
Amortization · Remaining Balance

Financed Loan Amount

$528,500

Total Interest

$612,205

Total of Payments

$1,140,704

*Includes financed FHA Upfront MIP of $9,090

Local Market Insights

Arlington County FHA Mortgage Overview

In Arlington County, the 15.31% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life regardless of equity, making this ideal for buyers with sub-620 credit. The 84.69% Loan-to-Value ratio confirms this pattern. Property taxes at 0.85% with a recent 1.7% inflation-adjusted shift add to monthly costs. For an FHA mortgage with PMI and taxes in Arlington County, VA, these factors directly impact affordability for owner-occupied buyers.

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.