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Pike County FHA Loan Calculator

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

Loan Details

Pike County, MO Benchmarks

FHA averages
Typical Property Value$215,806
Average Down Payment13.7%
Average Interest Rate6.399%
Effective Tax Rate0.61%
Median Tax Paid$979/yr
Tax Growth (Historical)-4.5%
Based on 62 regional loans totaling $11,130,000 (HMDA database).
$
%

$29,565 down · $186,241 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$110 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,524/mo

  • Principal & Interest$1,185
  • Property Tax$110
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$189,500

Total Interest

$237,220

Total of Payments

$426,720

*Includes financed FHA Upfront MIP of $3,259

Local Market Insights

Pike County FHA Mortgage Overview

In Pike County, the 13.68% average down payment for FHA loans (with an 86.32% LTV) provides accessible entry for primary residence buyers. However, mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, regardless of this equity level—ideal for those with sub-620 credit scores. The 0.61% effective property tax rate, combined with a -4.5% inflation-adjusted decline, lowers true monthly costs. When assessing an FHA loan with PMI and taxes in Pike County, MO, or exploring Pike County FHA loan limits and tax impacts, this lower tax burden offsets the permanent MIP, improving affordability for owner-occupants.

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.