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Adair County FHA Loan Calculator

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

Loan Details

Adair County, MO Benchmarks

FHA averages
Typical Property Value$201,056
Average Down Payment10.2%
Average Interest Rate6.578%
Effective Tax Rate0.67%
Median Tax Paid$1,276/yr
Tax Growth (Historical)+2.3%
Based on 71 regional loans totaling $12,505,000 (HMDA database).
$
%

$20,508 down · $180,548 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

$77 / month

Estimated Monthly Payment

$1,510/mo

  • Principal & Interest$1,171
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$183,708

Total Interest

$237,795

Total of Payments

$421,503

*Includes financed FHA Upfront MIP of $3,160

Local Market Insights

Adair County FHA Mortgage Overview

In Adair County, the typical FHA homebuyer puts 10.23% down on a $201,056 property, providing accessible entry despite the 6.578% rate. However, the 89.77% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for buyers with sub-620 credit but a permanent cost. The 0.67% effective tax rate, adjusted upward by 2.3% for inflation, adds roughly $115 monthly to true affordability. For those exploring an FHA loan with PMI and taxes in Adair County, MO, this data clarifies the long-term MIP burden and tax shift.

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.