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Pulaski County FHA Loan Calculator

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

Loan Details

Pulaski County, VA Benchmarks

FHA averages
Typical Property Value$212,603
Average Down Payment9.4%
Average Interest Rate6.351%
Effective Tax Rate0.63%
Median Tax Paid$1,202/yr
Tax Growth (Historical)-0.9%
Based on 146 regional loans totaling $27,320,000 (HMDA database).
$
%

$19,985 down · $192,618 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,563/mo

  • Principal & Interest$1,220
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$195,989

Total Interest

$243,036

Total of Payments

$439,025

*Includes financed FHA Upfront MIP of $3,371

Local Market Insights

Pulaski County FHA Mortgage Overview

For Pulaski County homebuyers utilizing an FHA loan, the 9.38% weighted average down payment provides accessible entry, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity build. With a 90.62% Loan-to-Value ratio and 100% owner-occupancy, this data reflects standard buyers, not investors. The effective property tax rate of 0.63% is moderate, and the recent -0.9% inflation-adjusted tax change offers slight monthly relief. When evaluating Pulaski County FHA loan limits and tax impacts, this combination supports affordability for those with sub-620 credit, though MIP is a permanent cost.

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.