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Stoddard County FHA Loan Calculator

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

Loan Details

Stoddard County, MO Benchmarks

FHA averages
Typical Property Value$185,417
Average Down Payment11.7%
Average Interest Rate6.372%
Effective Tax Rate0.67%
Median Tax Paid$939/yr
Tax Growth (Historical)+2.9%
Based on 72 regional loans totaling $11,190,000 (HMDA database).
$
%

$21,694 down · $163,723 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$104 / month

$

Annual premium

$

Per month

%

$69 / month

Estimated Monthly Payment

$1,362/mo

  • Principal & Interest$1,039
  • Property Tax$104
  • Home Insurance$150
  • FHA MIP$69
Amortization · Remaining Balance

Financed Loan Amount

$166,588

Total Interest

$207,362

Total of Payments

$373,950

*Includes financed FHA Upfront MIP of $2,865

Local Market Insights

Stoddard County FHA Mortgage Overview

In Stoddard County, the average 11.72% down payment on an FHA loan provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life, even with this equity. The 88.28% loan-to-value ratio confirms most buyers put less than 12% down. Given the 6.372% rate and 0.67% property tax rate, the recent 2.9% inflation-adjusted tax increase will modestly raise monthly costs. This data, reflecting 100% primary residences, is ideal for those using an FHA loan with PMI and taxes in Stoddard County, MO, especially buyers with sub-620 credit who cannot cancel 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.