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Hood River County FHA Loan Calculator

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

Loan Details

Hood River County, OR Benchmarks

FHA averages
Typical Property Value$568,415
Average Down Payment10.4%
Average Interest Rate5.940%
Effective Tax Rate0.51%
Median Tax Paid$3,515/yr
Tax Growth (Historical)+1.5%
Based on 41 regional loans totaling $20,415,000 (HMDA database).
$
%

$59,115 down · $509,300 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$242 / month

$

Annual premium

$

Per month

%

$216 / month

Estimated Monthly Payment

$3,694/mo

  • Principal & Interest$3,087
  • Property Tax$242
  • Home Insurance$150
  • FHA MIP$216
Amortization · Remaining Balance

Financed Loan Amount

$518,213

Total Interest

$593,102

Total of Payments

$1,111,314

*Includes financed FHA Upfront MIP of $8,913

Local Market Insights

Hood River County FHA Mortgage Overview

In Hood River County, the FHA loan data reveals a market designed for accessible entry. The 10.41% down payment is significantly lower than the conventional 20% threshold, making homeownership achievable, but it comes with a permanent cost: mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, given the 89.59% Loan-to-Value ratio. This is ideal for buyers with sub-620 credit scores seeking primary residences. The effective property tax rate of 0.51% is modest, yet the 1.5% inflation-adjusted tax shift will increase monthly payments. When evaluating an FHA loan with PMI and taxes in Hood River County, OR, or considering Hood River County FHA loan limits, factor in this permanent MIP cost against the lower down payment barrier.

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.