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Arkansas County FHA Loan Calculator

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

Loan Details

Arkansas County, AR Benchmarks

FHA averages
Typical Property Value$167,075
Average Down Payment6.9%
Average Interest Rate6.319%
Effective Tax Rate0.56%
Median Tax Paid$745/yr
Tax Growth (Historical)+0.1%
Based on 53 regional loans totaling $8,095,000 (HMDA database).
$
%

$11,528 down · $155,547 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$78 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,276/mo

  • Principal & Interest$982
  • Property Tax$78
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$158,269

Total Interest

$195,145

Total of Payments

$353,414

*Includes financed FHA Upfront MIP of $2,722

Local Market Insights

Arkansas County FHA Mortgage Overview

For Arkansas County homebuyers, the 6.86% average down payment on an FHA loan provides accessible entry, but requires mandatory MIP for the loan's life—a key factor for those with sub-620 credit. With a 93.14% LTV ratio and 100% primary occupancy, this market favors low-cash buyers. The 0.56% effective property tax rate, with a 0.1% inflation-adjusted shift, keeps monthly costs stable. When evaluating an FHA loan with PMI and taxes in Arkansas County, AR, these figures highlight affordability despite long-term MIP. Arkansas County FHA loan limits and tax considerations confirm this as a budget-friendly market for owner-occupants.

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.