Warren County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Warren County, OH Benchmarks

FHA averages

Typical Property Value$351,636

Average Down Payment12.7%

Average Interest Rate6.319%

Effective Tax Rate1.22%

Median Tax Paid$4,199/yr

Tax Growth (Historical)-0.1%

Based on 765 regional loans totaling $229,415,000 (HMDA database).

Home Price

Down Payment

$44,658 down · $306,978 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$357 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$130 / month

Estimated Monthly Payment

$2,575/mo

Principal & Interest$1,937
Property Tax$357
Home Insurance$150
FHA MIP$130

Amortization · Remaining Balance

Financed Loan Amount

$312,350

Total Interest

$385,127

Total of Payments

$697,478

*Includes financed FHA Upfront MIP of $5,372

Local Market Insights

Warren County FHA Mortgage Overview

In Warren County, the 12.71% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 87.29% loan-to-value ratio. This data reflects 100% owner-occupied purchases, ideal for those with sub-620 credit scores. The 1.22% effective property tax rate, with a -0.1% inflation-adjusted shift, slightly eases monthly costs. When evaluating an FHA loan with PMI and taxes in Warren County, OH, or reviewing Warren County FHA loan limits and tax scenarios, the higher down payment reduces principal but does not eliminate MIP.

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.