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Rutland County FHA Loan Calculator

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

Loan Details

Rutland County, VT Benchmarks

FHA averages
Typical Property Value$274,829
Average Down Payment13.2%
Average Interest Rate6.295%
Effective Tax Rate1.65%
Median Tax Paid$4,154/yr
Tax Growth (Historical)-0.7%
Based on 117 regional loans totaling $26,645,000 (HMDA database).
$
%

$36,277 down · $238,552 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$378 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$2,130/mo

  • Principal & Interest$1,501
  • Property Tax$378
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$242,726

Total Interest

$297,572

Total of Payments

$540,298

*Includes financed FHA Upfront MIP of $4,175

Local Market Insights

Rutland County FHA Mortgage Overview

For Rutland County homebuyers using an FHA loan, the 13.16% average down payment and 86.84% LTV ratio indicate accessible entry, but federal rules mandate Mortgage Insurance Premiums (MIP) for the loan’s entire term—unavoidable even with this equity. The 1.65% effective property tax rate, combined with a -0.7% inflation-adjusted decrease, slightly offsets monthly costs. With a 6.295% average rate, buyers evaluating an FHA loan with PMI and taxes in Rutland County, VT should note this data reflects solely owner-occupied purchases, not investments. Understanding Rutland County FHA loan limits and tax impacts is critical for accurate budgeting.

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.