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St. Francois County FHA Loan Calculator

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

Loan Details

St. Francois County, MO Benchmarks

FHA averages
Typical Property Value$230,743
Average Down Payment11.6%
Average Interest Rate6.510%
Effective Tax Rate0.63%
Median Tax Paid$1,188/yr
Tax Growth (Historical)-0.7%
Based on 303 regional loans totaling $60,185,000 (HMDA database).
$
%

$26,766 down · $203,977 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$121 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,671/mo

  • Principal & Interest$1,313
  • Property Tax$121
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$207,546

Total Interest

$265,205

Total of Payments

$472,752

*Includes financed FHA Upfront MIP of $3,570

Local Market Insights

St. Francois County FHA Mortgage Overview

In St. Francois County, the 11.61% average down payment for FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) last the loan’s life regardless of equity, making it ideal for buyers with sub-620 credit. The 88.39% loan-to-value ratio confirms this profile. The 0.63% effective property tax rate, with a -0.7% inflation-adjusted decline, slightly improves true monthly affordability. When evaluating an FHA mortgage with property taxes in St. Francois County, MO, remember MIP is permanent, unlike conventional loans. For FHA loan limits and tax impacts here, the low tax burden helps offset ongoing MIP costs.

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.