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Deschutes County FHA Loan Calculator

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

Loan Details

Deschutes County, OR Benchmarks

FHA averages
Typical Property Value$511,522
Average Down Payment10.6%
Average Interest Rate6.046%
Effective Tax Rate0.59%
Median Tax Paid$3,807/yr
Tax Growth (Historical)+0.6%
Based on 624 regional loans totaling $273,060,000 (HMDA database).
$
%

$54,221 down · $457,301 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$251 / month

$

Annual premium

$

Per month

%

$194 / month

Estimated Monthly Payment

$3,400/mo

  • Principal & Interest$2,805
  • Property Tax$251
  • Home Insurance$150
  • FHA MIP$194
Amortization · Remaining Balance

Financed Loan Amount

$465,303

Total Interest

$544,390

Total of Payments

$1,009,694

*Includes financed FHA Upfront MIP of $8,003

Local Market Insights

Deschutes County FHA Mortgage Overview

For Deschutes County homebuyers using an FHA loan, the 10.60% average down payment on a $511,522 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life due to the 89.40% Loan-to-Value ratio. This makes FHA financing ideal for buyers with sub-620 credit, as MIP cannot be canceled. The 0.59% effective property tax rate, with a 0.6% inflation-adjusted increase, adds roughly $250 annually to monthly costs. When evaluating a Deschutes County FHA loan with PMI and taxes, remember this data reflects 100% primary residences, 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.