Lewis County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Lewis County, WA Benchmarks

FHA averages

Typical Property Value$402,710

Average Down Payment8.9%

Average Interest Rate6.366%

Effective Tax Rate0.68%

Median Tax Paid$2,581/yr

Tax Growth (Historical)+2.9%

Based on 441 regional loans totaling $155,725,000 (HMDA database).

Home Price

Down Payment

$35,841 down · $366,869 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

$228 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$156 / month

Estimated Monthly Payment

$2,861/mo

Principal & Interest$2,328
Property Tax$228
Home Insurance$150
FHA MIP$156

Amortization · Remaining Balance

Financed Loan Amount

$373,289

Total Interest

$464,653

Total of Payments

$837,942

*Includes financed FHA Upfront MIP of $6,420

Local Market Insights

Lewis County FHA Mortgage Overview

For Lewis County homebuyers, the 8.89% average FHA down payment on a $402,710 property provides accessible entry, but the 91.11% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for those with sub-620 credit. This FHA loan with PMI and taxes in Lewis County, WA, shows a 6.366% rate and 0.68% effective property tax, with a 2.9% inflation-adjusted increase impacting monthly affordability. All 100% primary occupancy data confirms standard homebuyer patterns, not investment properties. Understanding Lewis County FHA loan limits and tax impacts is crucial for true cost evaluation.

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.