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Poinsett County FHA Loan Calculator

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

Loan Details

Poinsett County, AR Benchmarks

FHA averages
Typical Property Value$183,100
Average Down Payment8.3%
Average Interest Rate6.280%
Effective Tax Rate0.53%
Median Tax Paid$543/yr
Tax Growth (Historical)+1.5%
Based on 100 regional loans totaling $16,180,000 (HMDA database).
$
%

$15,197 down · $167,903 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$81 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,357/mo

  • Principal & Interest$1,055
  • Property Tax$81
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$170,841

Total Interest

$209,043

Total of Payments

$379,884

*Includes financed FHA Upfront MIP of $2,938

Local Market Insights

Poinsett County FHA Mortgage Overview

Poinsett County's FHA market reveals a strategy for accessible entry. The 8.26% down payment and 91.74% Loan-to-Value ratio confirm buyers are minimizing upfront cash, which is ideal for those with sub-620 credit scores. However, this low down payment triggers mandatory Mortgage Insurance Premiums (MIP) for the entire loan life. With a 0.53% property tax rate and a 1.5% inflation-adjusted increase, monthly affordability for Poinsett County FHA loans with PMI and taxes is rising. All data reflects 100% owner-occupied purchases, not investments.

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.