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Pettis County FHA Loan Calculator

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

Loan Details

Pettis County, MO Benchmarks

FHA averages
Typical Property Value$217,717
Average Down Payment9.5%
Average Interest Rate6.486%
Effective Tax Rate0.65%
Median Tax Paid$1,289/yr
Tax Growth (Historical)-0.7%
Based on 173 regional loans totaling $33,555,000 (HMDA database).
$
%

$20,683 down · $197,034 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$118 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,617/mo

  • Principal & Interest$1,266
  • Property Tax$118
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$200,482

Total Interest

$255,229

Total of Payments

$455,711

*Includes financed FHA Upfront MIP of $3,448

Local Market Insights

Pettis County FHA Mortgage Overview

Pettis County’s FHA market reveals an accessible entry point for owner-occupants. With a 9.51% down payment and 90.49% loan-to-value, buyers face mandatory MIP for the loan’s life—a trade-off for lower upfront cash. The 0.65% effective tax rate and -0.7% inflation-adjusted decline slightly reduce monthly burdens. This data, reflecting standard homebuyers, shows FHA’s appeal for those with sub-620 credit seeking manageable costs. Understanding Pettis County FHA loan limits and tax impacts is key to budgeting for PMI and property taxes.

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.