Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Arkansas>Stone County (FHA)

Stone County FHA Loan Calculator

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

Loan Details

Stone County, AR Benchmarks

FHA averages
Typical Property Value$238,571
Average Down Payment17.0%
Average Interest Rate6.403%
Effective Tax Rate0.35%
Median Tax Paid$548/yr
Tax Growth (Historical)+0.7%
Based on 42 regional loans totaling $7,890,000 (HMDA database).
$
%

$40,557 down · $198,014 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$70 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,564/mo

  • Principal & Interest$1,260
  • Property Tax$70
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$201,479

Total Interest

$252,216

Total of Payments

$453,695

*Includes financed FHA Upfront MIP of $3,465

Local Market Insights

Stone County FHA Mortgage Overview

For Stone County homebuyers using an FHA loan, the 16.96% average down payment provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity, making this ideal for those with sub-620 credit scores. The 83.04% loan-to-value ratio confirms this standard owner-occupied market. The low 0.35% effective property tax rate, with a minor 0.7% inflation-adjusted increase, keeps monthly carrying costs manageable when using an FHA mortgage tool with PMI and taxes in Stone County, AR. This data helps buyers understand true affordability for FHA loan limits and property taxes.

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.