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Williams County FHA Loan Calculator

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

Loan Details

Williams County, OH Benchmarks

FHA averages
Typical Property Value$174,580
Average Down Payment11.4%
Average Interest Rate6.637%
Effective Tax Rate1.13%
Median Tax Paid$1,577/yr
Tax Growth (Historical)-5.8%
Based on 119 regional loans totaling $17,875,000 (HMDA database).
$
%

$19,902 down · $154,678 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$164 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,389/mo

  • Principal & Interest$1,009
  • Property Tax$164
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$157,385

Total Interest

$205,968

Total of Payments

$363,353

*Includes financed FHA Upfront MIP of $2,707

Local Market Insights

Williams County FHA Mortgage Overview

In Williams County, the typical FHA buyer puts 11.43% down on a $174,580 home, well above the 3.5% minimum. This lower entry point, combined with an 88.57% LTV ratio, makes FHA financing accessible, though mandatory MIP lasts the loan’s life, ideal for those with sub-620 credit. The 1.13% effective property tax rate, down 5.8% after inflation, eases monthly costs when using an FHA loan calculator with PMI and taxes. This data reflects 100% owner-occupied purchases, not investments.

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.