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Carbon County FHA Loan Calculator

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

Loan Details

Carbon County, WY Benchmarks

FHA averages
Typical Property Value$227,840
Average Down Payment8.1%
Average Interest Rate6.320%
Effective Tax Rate0.55%
Median Tax Paid$1,279/yr
Tax Growth (Historical)+3.2%
Based on 81 regional loans totaling $16,715,000 (HMDA database).
$
%

$18,455 down · $209,385 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$104 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,665/mo

  • Principal & Interest$1,321
  • Property Tax$104
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$213,049

Total Interest

$262,689

Total of Payments

$475,738

*Includes financed FHA Upfront MIP of $3,664

Local Market Insights

Carbon County FHA Mortgage Overview

For Carbon County homebuyers, the 8.08% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life due to the 91.92% LTV ratio—ideal for those with sub-620 credit. The 0.55% property tax rate, with a 3.2% inflation-adjusted increase, modestly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Carbon County, WY, note that 100% of buyers are owner-occupants, reinforcing stable demand. This data supports an FHA down payment analysis for Carbon County, Wyoming, and highlights how FHA loan limits and tax considerations shape true 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.