Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Missouri>Randolph County (FHA)

Randolph County FHA Loan Calculator

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

Loan Details

Randolph County, MO Benchmarks

FHA averages
Typical Property Value$199,587
Average Down Payment9.7%
Average Interest Rate6.454%
Effective Tax Rate0.81%
Median Tax Paid$1,235/yr
Tax Growth (Historical)-0.5%
Based on 109 regional loans totaling $19,155,000 (HMDA database).
$
%

$19,360 down · $180,227 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$135 / month

$

Annual premium

$

Per month

%

$76 / month

Estimated Monthly Payment

$1,514/mo

  • Principal & Interest$1,153
  • Property Tax$135
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$183,381

Total Interest

$231,724

Total of Payments

$415,105

*Includes financed FHA Upfront MIP of $3,154

Local Market Insights

Randolph County FHA Mortgage Overview

For Randolph County homebuyers, the 9.66% average down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, even with this equity stake. The 90.34% loan-to-value ratio confirms most buyers are using low-down-payment financing for primary residences. The effective property tax rate of 0.81% is modest, and the recent -0.5% inflation-adjusted tax change slightly reduces monthly carrying costs. When evaluating an FHA loan with PMI and taxes in Randolph County, MO, or assessing Randolph County FHA loan limits, this low tax burden improves true 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.