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Johnson County FHA Loan Calculator

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

Loan Details

Johnson County, AR Benchmarks

FHA averages
Typical Property Value$209,479
Average Down Payment9.2%
Average Interest Rate6.354%
Effective Tax Rate0.51%
Median Tax Paid$709/yr
Tax Growth (Historical)-2.6%
Based on 96 regional loans totaling $18,200,000 (HMDA database).
$
%

$19,272 down · $190,207 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$89 / month

$

Annual premium

$

Per month

%

$81 / month

Estimated Monthly Payment

$1,524/mo

  • Principal & Interest$1,204
  • Property Tax$89
  • Home Insurance$150
  • FHA MIP$81
Amortization · Remaining Balance

Financed Loan Amount

$193,536

Total Interest

$239,993

Total of Payments

$433,529

*Includes financed FHA Upfront MIP of $3,329

Local Market Insights

Johnson County FHA Mortgage Overview

Johnson County’s FHA market shows accessible entry, with the average 9.19% down payment and 90.81% LTV allowing buyers to conserve cash. However, since this is an FHA loan, mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of the down payment. All buyers here are purchasing primary residences. The 0.51% effective property tax rate is modest, and the recent -2.6% inflation-adjusted tax shift provides slight monthly relief. For those using an FHA loan down payment approach in Johnson County, AR, understanding MIP and property taxes is critical for true affordability.

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.