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Pemiscot County FHA Loan Calculator

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

Loan Details

Pemiscot County, MO Benchmarks

FHA averages
Typical Property Value$165,227
Average Down Payment12.7%
Average Interest Rate6.485%
Effective Tax Rate0.79%
Median Tax Paid$925/yr
Tax Growth (Historical)-7.5%
Based on 44 regional loans totaling $6,240,000 (HMDA database).
$
%

$20,984 down · $144,243 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$109 / month

$

Annual premium

$

Per month

%

$61 / month

Estimated Monthly Payment

$1,247/mo

  • Principal & Interest$927
  • Property Tax$109
  • Home Insurance$150
  • FHA MIP$61
Amortization · Remaining Balance

Financed Loan Amount

$146,767

Total Interest

$186,846

Total of Payments

$333,614

*Includes financed FHA Upfront MIP of $2,524

Local Market Insights

Pemiscot County FHA Mortgage Overview

For Pemiscot County homebuyers using an FHA loan, the 12.66% average down payment on a $165,227 property provides accessible entry but comes with a critical caveat: FHA Mortgage Insurance Premiums (MIP) are required for the loan's life, regardless of this down payment. The 87.34% Loan-to-Value (LTV) ratio confirms this is a standard owner-occupied purchase, not an investment. Given the 6.485% interest rate and 0.79% effective property tax rate—which has seen a -7.5% inflation-adjusted decline—monthly affordability benefits from slightly lower tax burdens. When evaluating an FHA loan with PMI and taxes in Pemiscot County, MO, remember that MIP cannot be canceled, making this ideal for buyers with sub-620 credit scores who prioritize lower upfront costs over long-term insurance removal.

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.