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Hardin County FHA Loan Calculator

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

Loan Details

Hardin County, OH Benchmarks

FHA averages
Typical Property Value$204,209
Average Down Payment9.6%
Average Interest Rate6.472%
Effective Tax Rate1.04%
Median Tax Paid$1,590/yr
Tax Growth (Historical)+1.9%
Based on 139 regional loans totaling $25,025,000 (HMDA database).
$
%

$19,604 down · $184,605 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$177 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,589/mo

  • Principal & Interest$1,184
  • Property Tax$177
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$187,836

Total Interest

$238,241

Total of Payments

$426,076

*Includes financed FHA Upfront MIP of $3,231

Local Market Insights

Hardin County FHA Mortgage Overview

Hardin County’s FHA market reveals an accessible entry point for owner-occupants. A 9.61% down payment on a $204,209 property requires about $19,600 upfront, which is lower than conventional standards but mandates lifetime Mortgage Insurance Premiums (MIP) due to the 90.39% loan-to-value ratio. This structure suits buyers with sub-620 credit seeking primary residences. The effective 1.04% property tax rate, combined with a recent 1.9% inflation-adjusted increase, adds roughly $2,124 annually to true monthly affordability. For those evaluating Hardin County FHA loan limits and tax impacts, the fixed MIP and rising tax burden are critical cost factors to model in any local financial planning tool.

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.