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Clinton County FHA Loan Calculator

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

Loan Details

Clinton County, OH Benchmarks

FHA averages
Typical Property Value$252,179
Average Down Payment9.5%
Average Interest Rate6.337%
Effective Tax Rate0.92%
Median Tax Paid$1,962/yr
Tax Growth (Historical)+4.8%
Based on 234 regional loans totaling $52,940,000 (HMDA database).
$
%

$23,957 down · $228,222 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$193 / month

$

Annual premium

$

Per month

%

$97 / month

Estimated Monthly Payment

$1,884/mo

  • Principal & Interest$1,443
  • Property Tax$193
  • Home Insurance$150
  • FHA MIP$97
Amortization · Remaining Balance

Financed Loan Amount

$232,216

Total Interest

$287,413

Total of Payments

$519,629

*Includes financed FHA Upfront MIP of $3,994

Local Market Insights

Clinton County FHA Mortgage Overview

In Clinton County, the 9.52% average down payment on FHA loans provides an accessible entry point for owner-occupants. However, with a 90.48% LTV ratio, the mandatory Mortgage Insurance Premium (MIP) is required for the life of the loan—ideal for buyers with sub-620 credit. The effective property tax rate of 0.92%, combined with a recent 4.8% inflation-adjusted increase, directly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Clinton County, OH, or reviewing Clinton County FHA loan limits and property tax impacts, buyers should budget for this permanent MIP cost alongside the rising tax burden.

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.