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Clark County FHA Loan Calculator

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

Loan Details

Clark County, MO Benchmarks

FHA averages
Typical Property Value$209,545
Average Down Payment15.3%
Average Interest Rate6.283%
Effective Tax Rate0.66%
Median Tax Paid$1,134/yr
Tax Growth (Historical)-3.4%
Based on 11 regional loans totaling $1,855,000 (HMDA database).
$
%

$32,060 down · $177,485 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$115 / month

$

Annual premium

$

Per month

%

$75 / month

Estimated Monthly Payment

$1,456/mo

  • Principal & Interest$1,115
  • Property Tax$115
  • Home Insurance$150
  • FHA MIP$75
Amortization · Remaining Balance

Financed Loan Amount

$180,591

Total Interest

$220,973

Total of Payments

$401,563

*Includes financed FHA Upfront MIP of $3,106

Local Market Insights

Clark County FHA Mortgage Overview

In Clark County, Missouri, the average FHA homebuyer puts down 15.34% on a $209,545 property, leveraging a 6.283% rate. While this down payment provides accessible entry, FHA guidelines require mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—a key factor for those using an FHA loan calculator with PMI and taxes in Clark County, MO. The 84.66% LTV ratio confirms this is a high-equity, owner-occupied market (100% primary residence), ideal for buyers with sub-620 credit. The 0.66% effective property tax rate, coupled with a -3.4% inflation-adjusted tax shift, slightly reduces monthly burdens for those exploring Clark County FHA mortgage calculator with property taxes scenarios.

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.