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Pulaski County FHA Loan Calculator

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

Loan Details

Pulaski County, KY Benchmarks

FHA averages
Typical Property Value$236,533
Average Down Payment11.7%
Average Interest Rate6.354%
Effective Tax Rate0.50%
Median Tax Paid$1,057/yr
Tax Growth (Historical)+1.5%
Based on 262 regional loans totaling $52,710,000 (HMDA database).
$
%

$27,674 down · $208,859 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$99 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,659/mo

  • Principal & Interest$1,322
  • Property Tax$99
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$212,514

Total Interest

$263,527

Total of Payments

$476,041

*Includes financed FHA Upfront MIP of $3,655

Local Market Insights

Pulaski County FHA Mortgage Overview

With a weighted average down payment of 11.69% and an 88.31% loan-to-value ratio, Pulaski County FHA buyers are leveraging accessible entry, though mandatory MIP applies for the loan’s life—ideal for those with sub-620 credit. The 6.354% rate on a $236,533 property means monthly affordability is further shaped by a 0.50% effective tax rate, recently adjusted upward by 1.5% for inflation. This tax shift modestly increases true monthly costs. All data reflects owner-occupied purchases, not investment properties, reinforcing stable local demand.

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.