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Huntington County FHA Loan Calculator

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

Loan Details

Huntington County, IN Benchmarks

FHA averages
Typical Property Value$199,214
Average Down Payment10.6%
Average Interest Rate6.424%
Effective Tax Rate0.68%
Median Tax Paid$1,148/yr
Tax Growth (Historical)+4.1%
Based on 159 regional loans totaling $27,805,000 (HMDA database).
$
%

$21,117 down · $178,097 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$113 / month

$

Annual premium

$

Per month

%

$76 / month

Estimated Monthly Payment

$1,474/mo

  • Principal & Interest$1,136
  • Property Tax$113
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$181,214

Total Interest

$227,702

Total of Payments

$408,916

*Includes financed FHA Upfront MIP of $3,117

Local Market Insights

Huntington County FHA Mortgage Overview

For Huntington County homebuyers, the 10.57% average down payment on an FHA loan provides accessible entry, though Mortgage Insurance Premiums (MIP) are required for the loan’s life—a key factor when using an FHA loan calculator with PMI and taxes in Huntington County, IN. The 89.43% loan-to-value ratio and 100% owner-occupancy confirm this is a primary residence market. With an effective property tax rate of 0.68% and a recent 4.1% inflation-adjusted tax increase, monthly affordability is stable but rising. This data underscores that an FHA loan down payment calculator in Huntington County, Indiana must account for permanent MIP alongside property taxes to reflect true costs.

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.