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Harrison County FHA Loan Calculator

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

Loan Details

Harrison County, OH Benchmarks

FHA averages
Typical Property Value$195,308
Average Down Payment15.1%
Average Interest Rate6.426%
Effective Tax Rate0.92%
Median Tax Paid$1,279/yr
Tax Growth (Historical)+1.2%
Based on 65 regional loans totaling $10,925,000 (HMDA database).
$
%

$29,492 down · $165,816 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$150 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,429/mo

  • Principal & Interest$1,059
  • Property Tax$150
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$168,718

Total Interest

$212,399

Total of Payments

$381,117

*Includes financed FHA Upfront MIP of $2,902

Local Market Insights

Harrison County FHA Mortgage Overview

Harrison County homebuyers using FHA loans benefit from the 15.13% average down payment, which provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan's life. With an 84.87% LTV ratio and 100% owner-occupancy, this data reflects standard purchases, not investments. The effective property tax rate of 0.92%, adjusted upward by 1.2% for inflation, adds $1,797 annually to the $195,308 average property’s true cost. For those exploring FHA loan down payment options in Harrison County, Ohio, this combination of low entry and permanent MIP suits buyers seeking an FHA mortgage with property taxes factored into monthly affordability.

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.