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Reynolds County FHA Loan Calculator

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

Loan Details

Reynolds County, MO Benchmarks

FHA averages
Typical Property Value$181,667
Average Down Payment16.2%
Average Interest Rate6.514%
Effective Tax Rate0.42%
Median Tax Paid$560/yr
Tax Growth (Historical)-1.8%
Based on 21 regional loans totaling $3,015,000 (HMDA database).
$
%

$29,430 down · $152,237 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$64 / month

$

Annual premium

$

Per month

%

$65 / month

Estimated Monthly Payment

$1,258/mo

  • Principal & Interest$980
  • Property Tax$64
  • Home Insurance$150
  • FHA MIP$65
Amortization · Remaining Balance

Financed Loan Amount

$154,901

Total Interest

$197,935

Total of Payments

$352,836

*Includes financed FHA Upfront MIP of $2,664

Local Market Insights

Reynolds County FHA Mortgage Overview

For Reynolds County homebuyers, the 16.20% average down payment on an FHA loan provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With an 83.80% loan-to-value ratio and 100% primary occupancy, this market favors buyers with sub-620 credit scores. The 0.42% effective property tax rate, combined with a -1.8% inflation-adjusted tax decrease, slightly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Reynolds County, MO, or using an FHA mortgage tool with property taxes, note that property values average $181,666.67 at a 6.514% rate, keeping monthly costs manageable despite lifetime MIP.

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.