Warren County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Warren County, MO Benchmarks

FHA averages

Typical Property Value$306,623

Average Down Payment10.2%

Average Interest Rate6.369%

Effective Tax Rate0.59%

Median Tax Paid$1,809/yr

Tax Growth (Historical)-1.4%

Based on 228 regional loans totaling $60,970,000 (HMDA database).

Home Price

Down Payment

$31,276 down · $275,347 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$151 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$117 / month

Estimated Monthly Payment

$2,164/mo

Principal & Interest$1,747
Property Tax$151
Home Insurance$150
FHA MIP$117

Amortization · Remaining Balance

Financed Loan Amount

$280,166

Total Interest

$348,738

Total of Payments

$628,904

*Includes financed FHA Upfront MIP of $4,819

Local Market Insights

Warren County FHA Mortgage Overview

For Warren County homebuyers, an FHA loan with a 10.24% down payment on a $306,623 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 89.76% loan-to-value ratio—ideal for those with sub-620 credit. The 0.59% effective property tax rate, with a -1.4% inflation-adjusted decline, slightly eases monthly costs. This data, reflecting 100% owner-occupied purchases, helps evaluate FHA loan limits and property taxes locally when using an FHA mortgage analysis tool with PMI and taxes.

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.