Cowlitz County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Cowlitz County, WA Benchmarks

FHA averages

Typical Property Value$405,754

Average Down Payment8.0%

Average Interest Rate6.336%

Effective Tax Rate0.81%

Median Tax Paid$3,245/yr

Tax Growth (Historical)+5.3%

Based on 677 regional loans totaling $247,365,000 (HMDA database).

Home Price

Down Payment

$32,460 down · $373,294 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

$274 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$158 / month

Estimated Monthly Payment

$2,943/mo

Principal & Interest$2,361
Property Tax$274
Home Insurance$150
FHA MIP$158

Amortization · Remaining Balance

Financed Loan Amount

$379,826

Total Interest

$470,110

Total of Payments

$849,936

*Includes financed FHA Upfront MIP of $6,533

Local Market Insights

Cowlitz County FHA Mortgage Overview

In Cowlitz County, FHA buyers are leveraging an 8.01% down payment on a $405,754 average property, a low-barrier entry point. However, the 91.99% LTV ratio means mandatory MIP lasts the loan’s life—ideal for those with sub-620 credit seeking a primary residence. The 0.81% effective tax rate, adjusted upward by 5.3% for inflation, adds roughly $1,800 annually to monthly costs. When evaluating an FHA loan with PMI and taxes in Cowlitz County, WA, or assessing Cowlitz County FHA loan limits and tax impacts, this data confirms a stable owner-occupied market where tax growth directly affects true affordability.

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.