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Clackamas County FHA Loan Calculator

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

Loan Details

Clackamas County, OR Benchmarks

FHA averages
Typical Property Value$536,744
Average Down Payment10.0%
Average Interest Rate6.120%
Effective Tax Rate0.84%
Median Tax Paid$5,171/yr
Tax Growth (Historical)-0.7%
Based on 884 regional loans totaling $413,740,000 (HMDA database).
$
%

$53,674 down · $483,070 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$376 / month

$

Annual premium

$

Per month

%

$205 / month

Estimated Monthly Payment

$3,715/mo

  • Principal & Interest$2,985
  • Property Tax$376
  • Home Insurance$150
  • FHA MIP$205
Amortization · Remaining Balance

Financed Loan Amount

$491,523

Total Interest

$583,062

Total of Payments

$1,074,585

*Includes financed FHA Upfront MIP of $8,454

Local Market Insights

Clackamas County FHA Mortgage Overview

For Clackamas County homebuyers using an FHA loan, the 10.00% weighted average down payment and 90.00% Loan-to-Value (LTV) ratio provide accessible entry, but require mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—ideal for those with a sub-620 credit score. With an average property value of $536,744.05 and a 6.120% interest rate, the 0.84% effective property tax rate, combined with a -0.7% inflation-adjusted tax change, lowers true monthly affordability. This data, reflecting 100% primary occupancy, shows that while FHA loan limits and property taxes in Clackamas County keep payments manageable, the permanent MIP is a key cost factor for long-term budgeting.

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.