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Brown County FHA Loan Calculator

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

Loan Details

Brown County, OH Benchmarks

FHA averages
Typical Property Value$243,486
Average Down Payment11.9%
Average Interest Rate6.432%
Effective Tax Rate0.82%
Median Tax Paid$1,600/yr
Tax Growth (Historical)+3.7%
Based on 285 regional loans totaling $59,535,000 (HMDA database).
$
%

$28,975 down · $214,511 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$166 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,777/mo

  • Principal & Interest$1,370
  • Property Tax$166
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$218,265

Total Interest

$274,773

Total of Payments

$493,039

*Includes financed FHA Upfront MIP of $3,754

Local Market Insights

Brown County FHA Mortgage Overview

For Brown County homebuyers, the 11.86% down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 88.14% loan-to-value ratio—ideal for those with sub-620 credit. The average property value of $243,485.92 at a 6.432% rate means monthly costs are heavily influenced by the 0.82% effective property tax rate, which has seen a 3.7% inflation-adjusted increase. This tax shift directly impacts true affordability when using a Brown County FHA mortgage analysis with property taxes, as the higher tax burden compounds the mandatory MIP. All data reflects owner-occupied purchases, not investments.

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.