Adams County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Adams County, OH Benchmarks

FHA averages

Typical Property Value$209,444

Average Down Payment12.3%

Average Interest Rate6.573%

Effective Tax Rate0.83%

Median Tax Paid$1,356/yr

Tax Growth (Historical)+0.9%

Based on 126 regional loans totaling $21,800,000 (HMDA database).

Home Price

Down Payment

$25,762 down · $183,682 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

$145 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$78 / month

Estimated Monthly Payment

$1,563/mo

Principal & Interest$1,190
Property Tax$145
Home Insurance$150
FHA MIP$78

Amortization · Remaining Balance

Financed Loan Amount

$186,897

Total Interest

$241,479

Total of Payments

$428,376

*Includes financed FHA Upfront MIP of $3,214

Local Market Insights

Adams County FHA Mortgage Overview

In Adams County, the 12.29% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this equity level. With a high 87.71% loan-to-value ratio, this data reflects 100% owner-occupied purchases, ideal for buyers with sub-620 credit. The 0.83% effective property tax rate, adjusted upward by 0.9% for inflation, directly impacts monthly affordability. When using an FHA loan calculator with PMI and taxes in Adams County, OH, or an Adams County FHA mortgage calculator with property taxes, remember MIP persists permanently.

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.