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St. Francis County FHA Loan Calculator

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

Loan Details

St. Francis County, AR Benchmarks

FHA averages
Typical Property Value$180,278
Average Down Payment16.7%
Average Interest Rate6.618%
Effective Tax Rate0.48%
Median Tax Paid$425/yr
Tax Growth (Historical)-13.0%
Based on 36 regional loans totaling $5,040,000 (HMDA database).
$
%

$30,106 down · $150,172 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$72 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,264/mo

  • Principal & Interest$978
  • Property Tax$72
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$152,800

Total Interest

$199,240

Total of Payments

$352,039

*Includes financed FHA Upfront MIP of $2,628

Local Market Insights

St. Francis County FHA Mortgage Overview

The 16.68% average down payment for St. Francis County FHA loans exceeds the minimum, yet the 83.32% loan-to-value ratio still mandates Mortgage Insurance Premiums (MIP) for the loan's life, benefiting buyers with sub-620 credit. With an average property value of $180,278 and a 6.618% interest rate, the low 0.48% effective property tax rate and a -13.0% inflation-adjusted tax decline significantly enhance monthly affordability. For those exploring an FHA loan with PMI and taxes in St. Francis County, AR, this data confirms accessible entry despite permanent MIP, ideal for primary residences.

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.