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Yakima County FHA Loan Calculator

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

Loan Details

Yakima County, WA Benchmarks

FHA averages
Typical Property Value$360,372
Average Down Payment8.5%
Average Interest Rate6.352%
Effective Tax Rate0.79%
Median Tax Paid$2,463/yr
Tax Growth (Historical)+3.9%
Based on 1,007 regional loans totaling $321,765,000 (HMDA database).
$
%

$30,632 down · $329,740 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$237 / month

$

Annual premium

$

Per month

%

$140 / month

Estimated Monthly Payment

$2,615/mo

  • Principal & Interest$2,088
  • Property Tax$237
  • Home Insurance$150
  • FHA MIP$140
Amortization · Remaining Balance

Financed Loan Amount

$335,511

Total Interest

$416,050

Total of Payments

$751,561

*Includes financed FHA Upfront MIP of $5,770

Local Market Insights

Yakima County FHA Mortgage Overview

Yakima County’s FHA market shows strong primary occupancy (100%) with a 91.51% LTV, indicating buyers are leveraging low down payments. The 8.49% down payment provides accessible entry, but note that FHA loans require mandatory MIP for the life of the loan—ideal for sub-620 credit profiles. The effective property tax rate of 0.79% and a 3.9% inflation-adjusted increase add roughly $95 monthly on a $360K property, impacting true affordability. For those using an FHA loan calculator with PMI and taxes in Yakima County, WA, this data underscores the need to factor in permanent MIP costs alongside rising property taxes for a complete monthly budget.

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.