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Grays Harbor County FHA Loan Calculator

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

Loan Details

Grays Harbor County, WA Benchmarks

FHA averages
Typical Property Value$339,194
Average Down Payment8.4%
Average Interest Rate6.414%
Effective Tax Rate0.71%
Median Tax Paid$2,512/yr
Tax Growth (Historical)-0.2%
Based on 360 regional loans totaling $108,280,000 (HMDA database).
$
%

$28,492 down · $310,702 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$201 / month

$

Annual premium

$

Per month

%

$132 / month

Estimated Monthly Payment

$2,462/mo

  • Principal & Interest$1,980
  • Property Tax$201
  • Home Insurance$150
  • FHA MIP$132
Amortization · Remaining Balance

Financed Loan Amount

$316,139

Total Interest

$396,495

Total of Payments

$712,634

*Includes financed FHA Upfront MIP of $5,437

Local Market Insights

Grays Harbor County FHA Mortgage Overview

For Grays Harbor County homebuyers using an FHA loan, the 8.41% average down payment and 91.59% loan-to-value ratio highlight accessible entry. However, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity—ideal for those with sub-620 credit. With a 0.71% effective property tax rate and a -0.2% inflation-adjusted shift, monthly affordability remains stable. This data, reflecting 100% primary residences, underscores that an FHA loan down payment analysis in Grays Harbor County, Washington, must account for permanent MIP costs alongside property taxes.

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.