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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, OH Benchmarks

FHA averages
Typical Property Value$179,292
Average Down Payment12.7%
Average Interest Rate6.497%
Effective Tax Rate0.93%
Median Tax Paid$1,257/yr
Tax Growth (Historical)-0.1%
Based on 233 regional loans totaling $35,375,000 (HMDA database).
$
%

$22,770 down · $156,522 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$139 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,362/mo

  • Principal & Interest$1,007
  • Property Tax$139
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$159,261

Total Interest

$203,129

Total of Payments

$362,390

*Includes financed FHA Upfront MIP of $2,739

Local Market Insights

Jefferson County FHA Mortgage Overview

In Jefferson County, the 12.73% average down payment on an FHA loan provides accessible entry for buyers, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 87.27% loan-to-value ratio. This is ideal for owner-occupied primary residences, especially those with sub-620 credit scores. The 0.93% effective property tax rate and a recent -0.1% inflation-adjusted shift slightly lower true monthly affordability. When evaluating your Jefferson County FHA loan with PMI and taxes, or checking FHA loan limits, this low tax burden supports stable 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.