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Orleans County FHA Loan Calculator

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

Loan Details

Orleans County, VT Benchmarks

FHA averages
Typical Property Value$283,732
Average Down Payment16.6%
Average Interest Rate6.269%
Effective Tax Rate1.43%
Median Tax Paid$3,692/yr
Tax Growth (Historical)+0.1%
Based on 71 regional loans totaling $15,855,000 (HMDA database).
$
%

$47,100 down · $236,632 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$338 / month

$

Annual premium

$

Per month

%

$100 / month

Estimated Monthly Payment

$2,074/mo

  • Principal & Interest$1,486
  • Property Tax$338
  • Home Insurance$150
  • FHA MIP$100
Amortization · Remaining Balance

Financed Loan Amount

$240,774

Total Interest

$294,049

Total of Payments

$534,822

*Includes financed FHA Upfront MIP of $4,141

Local Market Insights

Orleans County FHA Mortgage Overview

For Orleans County homebuyers, the 16.63% average down payment on an FHA loan offers accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity. The 83.37% loan-to-value ratio confirms this is a standard owner-occupied purchase, not an investment. With an effective property tax rate of 1.43% and a recent 0.1% inflation-adjusted increase, monthly affordability is directly impacted. When evaluating an FHA loan down payment in Orleans County, Vermont, remember that the $283,732 average property value, combined with property taxes, defines true cost. For those seeking an Orleans County FHA loan with PMI and taxes, the 6.269% interest rate and permanent MIP are critical factors to weigh against local tax burdens.

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.