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Stephens County FHA Loan Calculator

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

Loan Details

Stephens County, OK Benchmarks

FHA averages
Typical Property Value$197,645
Average Down Payment11.8%
Average Interest Rate6.475%
Effective Tax Rate0.68%
Median Tax Paid$990/yr
Tax Growth (Historical)-0.1%
Based on 155 regional loans totaling $26,195,000 (HMDA database).
$
%

$23,322 down · $174,323 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,454/mo

  • Principal & Interest$1,118
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$177,374

Total Interest

$224,971

Total of Payments

$402,345

*Includes financed FHA Upfront MIP of $3,051

Local Market Insights

Stephens County FHA Mortgage Overview

For Stephens County homebuyers using an FHA loan, the 11.78% average down payment and 88.22% LTV ratio provide accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this down payment—ideal for those with sub-620 credit. The effective property tax rate of 0.68% on a $197,645 property is modest, and the recent -0.1% inflation-adjusted tax change slightly improves monthly affordability. This data reflects 100% owner-occupied purchases, not investments. For a full financial picture, use a Stephens County FHA mortgage tool with property taxes and PMI to estimate true monthly 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.