Josephine County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Josephine County, OR Benchmarks

FHA averages

Typical Property Value$367,951

Average Down Payment10.0%

Average Interest Rate6.283%

Effective Tax Rate0.50%

Median Tax Paid$2,086/yr

Tax Growth (Historical)0.0%

Based on 305 regional loans totaling $97,715,000 (HMDA database).

Home Price

Down Payment

$36,795 down · $331,156 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$153 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$140 / month

Estimated Monthly Payment

$2,525/mo

Principal & Interest$2,081
Property Tax$153
Home Insurance$150
FHA MIP$140

Amortization · Remaining Balance

Financed Loan Amount

$336,951

Total Interest

$412,297

Total of Payments

$749,248

*Includes financed FHA Upfront MIP of $5,795

Local Market Insights

Josephine County FHA Mortgage Overview

For Josephine County homebuyers, the 9.99% average down payment on an FHA loan provides accessible entry, especially given the $367,951 average property value. However, with a 90.01% LTV ratio, mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, a key factor when using an FHA loan calculator with PMI and taxes in Josephine County, OR. The 0.50% effective property tax rate, with no recent inflation-adjusted change, keeps monthly affordability stable. This data reflects 100% primary residences, meaning these are standard homebuyers, not investors. For those exploring an FHA loan down payment calculator in Josephine County, Oregon, the 6.283% interest rate and lifetime MIP are critical to total cost.

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.