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Ralls County FHA Loan Calculator

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

Loan Details

Ralls County, MO Benchmarks

FHA averages
Typical Property Value$232,143
Average Down Payment12.0%
Average Interest Rate6.383%
Effective Tax Rate0.64%
Median Tax Paid$1,229/yr
Tax Growth (Historical)+2.7%
Based on 35 regional loans totaling $7,175,000 (HMDA database).
$
%

$27,857 down · $204,286 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$124 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,658/mo

  • Principal & Interest$1,297
  • Property Tax$124
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$207,861

Total Interest

$259,225

Total of Payments

$467,086

*Includes financed FHA Upfront MIP of $3,575

Local Market Insights

Ralls County FHA Mortgage Overview

In Ralls County, the typical FHA buyer puts down 11.99%, which is below the 20% threshold, meaning mandatory Mortgage Insurance Premiums (MIP) apply for the entire loan term. This structure provides accessible entry, especially for those with credit scores below 620. With an 88.01% loan-to-value ratio and a 6.383% interest rate, the effective property tax rate of 0.64% is manageable, though the recent 2.7% inflation-adjusted tax increase slightly raises monthly costs. For homebuyers assessing an FHA loan with PMI and taxes in Ralls County, MO, these figures highlight the trade-off between lower upfront cash and long-term MIP obligations.

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.