Gasconade County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Gasconade County, MO Benchmarks

FHA averages

Typical Property Value$216,429

Average Down Payment11.8%

Average Interest Rate6.522%

Effective Tax Rate0.63%

Median Tax Paid$1,315/yr

Tax Growth (Historical)+3.0%

Based on 42 regional loans totaling $7,840,000 (HMDA database).

Home Price

Down Payment

$25,539 down · $190,890 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$114 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$81 / month

Estimated Monthly Payment

$1,575/mo

Principal & Interest$1,230
Property Tax$114
Home Insurance$150
FHA MIP$81

Amortization · Remaining Balance

Financed Loan Amount

$194,231

Total Interest

$248,651

Total of Payments

$442,882

*Includes financed FHA Upfront MIP of $3,341

Local Market Insights

Gasconade County FHA Mortgage Overview

Gasconade County FHA buyers benefit from the 11.81% down payment, providing accessible entry despite the 6.522% rate. However, the 88.19% LTV means mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, a key factor when using an FHA loan calculator with PMI and taxes in Gasconade County, MO. The effective 0.63% property tax rate is low, but the 3.0% inflation-adjusted tax shift adds to monthly costs. For owner-occupied homes averaging $216,429, this data is critical for any Gasconade County FHA mortgage calculator with property taxes, as MIP persists regardless of equity buildup.

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.