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McIntosh County FHA Loan Calculator

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

Loan Details

McIntosh County, OK Benchmarks

FHA averages
Typical Property Value$248,175
Average Down Payment18.2%
Average Interest Rate6.208%
Effective Tax Rate0.58%
Median Tax Paid$832/yr
Tax Growth (Historical)+1.3%
Based on 63 regional loans totaling $11,985,000 (HMDA database).
$
%

$45,168 down · $203,007 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$120 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,622/mo

  • Principal & Interest$1,266
  • Property Tax$120
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$206,560

Total Interest

$249,364

Total of Payments

$455,924

*Includes financed FHA Upfront MIP of $3,553

Local Market Insights

McIntosh County FHA Mortgage Overview

In McIntosh County, the typical FHA buyer puts 18.18% down on a $248,175 home, yet the 81.82% LTV means mandatory MIP applies for the loan's life—ideal for those with sub-620 credit seeking accessible entry. This FHA loan with PMI and taxes in McIntosh County, OK, sees a 6.208% rate and a 0.58% tax rate. The 1.3% inflation-adjusted tax shift adds modest monthly cost. For primary residences, this market favors buyers using an FHA down payment approach despite permanent MIP, as property taxes remain low.

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.