Kitsap County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Kitsap County, WA Benchmarks

FHA averages

Typical Property Value$478,297

Average Down Payment8.9%

Average Interest Rate6.318%

Effective Tax Rate0.72%

Median Tax Paid$4,279/yr

Tax Growth (Historical)+3.0%

Based on 638 regional loans totaling $266,280,000 (HMDA database).

Home Price

Down Payment

$42,568 down · $435,729 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

$287 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$185 / month

Estimated Monthly Payment

$3,372/mo

Principal & Interest$2,750
Property Tax$287
Home Insurance$150
FHA MIP$185

Amortization · Remaining Balance

Financed Loan Amount

$443,354

Total Interest

$546,654

Total of Payments

$990,008

*Includes financed FHA Upfront MIP of $7,625

Local Market Insights

Kitsap County FHA Mortgage Overview

In Kitsap County, the average FHA borrower puts down just 8.89% on a $478,297 property, leveraging a high 91.11% loan-to-value ratio. This low barrier to entry is ideal for buyers with sub-620 credit, but note that FHA mortgage insurance premiums (MIP) are required for the entire loan term—unlike conventional loans where PMI can drop. The effective property tax rate of 0.72% plus a 3.0% inflation-adjusted increase means monthly costs are rising. For anyone using an FHA loan down payment calculator with PMI and taxes in Kitsap County, WA, these factors directly impact true monthly affordability for these 100% owner-occupied homes.

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.