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Carroll County FHA Loan Calculator

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

Loan Details

Carroll County, OH Benchmarks

FHA averages
Typical Property Value$226,875
Average Down Payment14.5%
Average Interest Rate6.488%
Effective Tax Rate0.79%
Median Tax Paid$1,725/yr
Tax Growth (Historical)-0.9%
Based on 113 regional loans totaling $21,725,000 (HMDA database).
$
%

$32,897 down · $193,978 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$149 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,628/mo

  • Principal & Interest$1,246
  • Property Tax$149
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$197,373

Total Interest

$251,271

Total of Payments

$448,644

*Includes financed FHA Upfront MIP of $3,395

Local Market Insights

Carroll County FHA Mortgage Overview

For Carroll County homebuyers, the 14.51% average down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of equity. With a high 85.49% Loan-to-Value ratio and 100% owner-occupancy, this data reflects standard primary residence purchases. The effective property tax rate of 0.79% and recent -0.9% inflation-adjusted tax change offer modest relief, improving true monthly affordability. When evaluating an FHA loan with PMI and taxes in Carroll County, OH, or assessing Carroll County FHA loan limits, this low tax burden supports manageable housing 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.