San Juan County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

San Juan County, WA Benchmarks

FHA averages

Typical Property Value$660,556

Average Down Payment28.0%

Average Interest Rate6.032%

Effective Tax Rate0.53%

Median Tax Paid$4,253/yr

Tax Growth (Historical)-0.1%

Based on 9 regional loans totaling $3,865,000 (HMDA database).

Home Price

Down Payment

$184,956 down · $475,600 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

$292 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

Not required at 20%+ down

Estimated Monthly Payment

$3,554/mo

Principal & Interest$2,911
Property Tax$292
Home Insurance$150
FHA MIP$202

Amortization · Remaining Balance

Financed Loan Amount

$483,923

Total Interest

$563,931

Total of Payments

$1,047,854

*Includes financed FHA Upfront MIP of $8,323

Local Market Insights

San Juan County FHA Mortgage Overview

In San Juan County, an FHA loan with a 28.03% down payment on a $660,556 property provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, ideal for buyers with sub-620 credit. The 71.97% LTV ratio confirms strong equity, but MIP persists. The 0.53% effective tax rate and -0.1% inflation-adjusted decrease slightly boost monthly affordability. For accurate projections, explore an FHA loan calculator with PMI and taxes in San Juan County, WA, or a San Juan County FHA mortgage calculator with property taxes to assess total costs.

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.