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Franklin County FHA Loan Calculator

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

Loan Details

Franklin County, MO Benchmarks

FHA averages
Typical Property Value$246,529
Average Down Payment12.6%
Average Interest Rate6.386%
Effective Tax Rate0.73%
Median Tax Paid$1,813/yr
Tax Growth (Historical)-0.9%
Based on 386 regional loans totaling $81,090,000 (HMDA database).
$
%

$31,063 down · $215,466 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$150 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,761/mo

  • Principal & Interest$1,370
  • Property Tax$150
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$219,237

Total Interest

$273,929

Total of Payments

$493,166

*Includes financed FHA Upfront MIP of $3,771

Local Market Insights

Franklin County FHA Mortgage Overview

In Franklin County, the typical FHA buyer puts down 12.57% on a $246,529 property, providing accessible entry. However, this 87.43% LTV means mandatory MIP remains for the loan’s life, a key factor for those using an FHA loan calculator with PMI and taxes in Franklin County, MO. The effective property tax rate sits at 0.73%, with a recent -0.9% inflation-adjusted tax shift slightly easing monthly affordability. All data reflects 100% primary residences, not investments, making this an owner-occupied market where the lower down payment outweighs the long-term MIP cost.

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.