Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Oklahoma>Beaver County (FHA)

Beaver County FHA Loan Calculator

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

Loan Details

Beaver County, OK Benchmarks

FHA averages
Typical Property Value$175,000
Average Down Payment8.3%
Average Interest Rate6.169%
Effective Tax Rate0.76%
Median Tax Paid$1,020/yr
Tax Growth (Historical)+10.3%
Based on 16 regional loans totaling $2,590,000 (HMDA database).
$
%

$14,525 down · $160,475 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$111 / month

$

Annual premium

$

Per month

%

$68 / month

Estimated Monthly Payment

$1,326/mo

  • Principal & Interest$997
  • Property Tax$111
  • Home Insurance$150
  • FHA MIP$68
Amortization · Remaining Balance

Financed Loan Amount

$163,283

Total Interest

$195,595

Total of Payments

$358,878

*Includes financed FHA Upfront MIP of $2,808

Local Market Insights

Beaver County FHA Mortgage Overview

In Beaver County, an 8.25% down payment on a $175,000 FHA loan provides accessible entry, but the 91.75% LTV means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for buyers with sub-620 credit. When using an FHA loan calculator with PMI and taxes, the effective 0.76% property tax rate adds modest monthly cost, though the recent 10.3% inflation-adjusted tax shift increases long-term affordability pressure. 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.