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Clatsop County FHA Loan Calculator

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

Loan Details

Clatsop County, OR Benchmarks

FHA averages
Typical Property Value$453,500
Average Down Payment11.0%
Average Interest Rate6.167%
Effective Tax Rate0.66%
Median Tax Paid$3,236/yr
Tax Growth (Historical)+1.8%
Based on 100 regional loans totaling $38,910,000 (HMDA database).
$
%

$49,885 down · $403,615 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$249 / month

$

Annual premium

$

Per month

%

$171 / month

Estimated Monthly Payment

$3,078/mo

  • Principal & Interest$2,507
  • Property Tax$249
  • Home Insurance$150
  • FHA MIP$171
Amortization · Remaining Balance

Financed Loan Amount

$410,678

Total Interest

$491,945

Total of Payments

$902,624

*Includes financed FHA Upfront MIP of $7,063

Local Market Insights

Clatsop County FHA Mortgage Overview

In Clatsop County, the typical FHA buyer puts 11.03% down on a $453,500 property, a lower barrier than the national standard. However, with an 88.97% LTV, mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, making this ideal for those with sub-620 credit. The effective property tax rate of 0.66% is modest, but the recent 1.8% inflation-adjusted increase slightly raises monthly costs. For buyers using an FHA loan with PMI and taxes in Clatsop County, OR, this data confirms accessible entry but requires accounting for permanent MIP within true affordability.

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.