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Washington County FHA Loan Calculator

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

Loan Details

Washington County, OR Benchmarks

FHA averages
Typical Property Value$520,283
Average Down Payment8.4%
Average Interest Rate5.970%
Effective Tax Rate0.86%
Median Tax Paid$4,929/yr
Tax Growth (Historical)-1.5%
Based on 1,222 regional loans totaling $574,860,000 (HMDA database).
$
%

$43,704 down · $476,579 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$373 / month

$

Annual premium

$

Per month

%

$202 / month

Estimated Monthly Payment

$3,623/mo

  • Principal & Interest$2,898
  • Property Tax$373
  • Home Insurance$150
  • FHA MIP$202
Amortization · Remaining Balance

Financed Loan Amount

$484,919

Total Interest

$558,357

Total of Payments

$1,043,277

*Includes financed FHA Upfront MIP of $8,340

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers, the 8.43% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity level. With a 91.57% loan-to-value ratio, this data reflects owner-occupied purchases, not investments. The 0.86% effective property tax rate, combined with a recent -1.5% inflation-adjusted decrease, slightly improves true monthly affordability when using an FHA loan down payment tool in Washington County, OR. When evaluating an FHA mortgage with property taxes, the 5.97% interest rate and these tax savings help offset the permanent MIP 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.