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Caldwell County FHA Loan Calculator

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

Loan Details

Caldwell County, KY Benchmarks

FHA averages
Typical Property Value$173,333
Average Down Payment12.7%
Average Interest Rate6.355%
Effective Tax Rate0.52%
Median Tax Paid$643/yr
Tax Growth (Historical)+5.0%
Based on 60 regional loans totaling $8,820,000 (HMDA database).
$
%

$22,013 down · $151,320 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$75 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,248/mo

  • Principal & Interest$959
  • Property Tax$75
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$153,968

Total Interest

$191,290

Total of Payments

$345,258

*Includes financed FHA Upfront MIP of $2,648

Local Market Insights

Caldwell County FHA Mortgage Overview

For Caldwell County homebuyers, the typical FHA loan scenario uses a 12.68% down payment on a $173,333 property. While this provides accessible entry, note that FHA’s mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life, regardless of this equity level. With an 87.32% Loan-to-Value ratio and 100% owner-occupancy, this market favors buyers with sub-620 credit. The effective 0.52% property tax rate is modest, but the recent 5.0% inflation-adjusted tax increase will meaningfully raise monthly costs, so factor this into your FHA loan with PMI and taxes in Caldwell County, KY.

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.