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Wyoming County FHA Loan Calculator

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

Loan Details

Wyoming County, WV Benchmarks

FHA averages
Typical Property Value$139,706
Average Down Payment9.1%
Average Interest Rate6.621%
Effective Tax Rate0.38%
Median Tax Paid$369/yr
Tax Growth (Historical)+4.1%
Based on 51 regional loans totaling $6,445,000 (HMDA database).
$
%

$12,713 down · $126,993 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$44 / month

$

Annual premium

$

Per month

%

$54 / month

Estimated Monthly Payment

$1,075/mo

  • Principal & Interest$827
  • Property Tax$44
  • Home Insurance$150
  • FHA MIP$54
Amortization · Remaining Balance

Financed Loan Amount

$129,215

Total Interest

$168,487

Total of Payments

$297,703

*Includes financed FHA Upfront MIP of $2,222

Local Market Insights

Wyoming County FHA Mortgage Overview

In Wyoming County, the 9.12% average down payment for an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, ideal for buyers with sub-620 credit. The 90.88% loan-to-value (LTV) ratio confirms this, as all purchasers are owner-occupants. An FHA loan calculator with PMI and taxes in Wyoming County, WV must factor in the 0.38% effective property tax rate, which, with a 4.1% inflation-adjusted increase, raises monthly costs. Using an FHA loan down payment calculator in Wyoming County, West Virginia reveals this tax shift directly impacts true affordability. For precise budgeting, a Wyoming County FHA mortgage calculator with property taxes is essential, as the Wyoming County FHA loan limits and tax calculator context shows MIP never drops.

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.