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Dubois County FHA Loan Calculator

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

Loan Details

Dubois County, IN Benchmarks

FHA averages
Typical Property Value$234,825
Average Down Payment12.3%
Average Interest Rate6.244%
Effective Tax Rate0.71%
Median Tax Paid$1,514/yr
Tax Growth (Historical)+6.3%
Based on 114 regional loans totaling $22,910,000 (HMDA database).
$
%

$28,883 down · $205,942 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$139 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,665/mo

  • Principal & Interest$1,289
  • Property Tax$139
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$209,546

Total Interest

$254,439

Total of Payments

$463,984

*Includes financed FHA Upfront MIP of $3,604

Local Market Insights

Dubois County FHA Mortgage Overview

For Dubois County homebuyers using FHA loans, the 12.31% down payment and 87.69% LTV ratio offer accessible entry, but mandatory MIP applies for the loan's life regardless of equity. This structure benefits those with sub-620 credit scores seeking owner-occupied homes. With an average property value of $234,824.56 and a 6.244% rate, the effective 0.71% tax rate combined with a recent 6.3% inflation-adjusted tax shift increases true monthly affordability. When evaluating an FHA loan with PMI and taxes in Dubois County, IN, or considering Dubois County FHA loan limits, factor in this persistent MIP cost.

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.