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Yamhill County FHA Loan Calculator

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

Loan Details

Yamhill County, OR Benchmarks

FHA averages
Typical Property Value$463,455
Average Down Payment9.2%
Average Interest Rate6.222%
Effective Tax Rate0.68%
Median Tax Paid$3,425/yr
Tax Growth (Historical)+0.1%
Based on 356 regional loans totaling $145,590,000 (HMDA database).
$
%

$42,638 down · $420,817 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$263 / month

$

Annual premium

$

Per month

%

$178 / month

Estimated Monthly Payment

$3,219/mo

  • Principal & Interest$2,628
  • Property Tax$263
  • Home Insurance$150
  • FHA MIP$178
Amortization · Remaining Balance

Financed Loan Amount

$428,181

Total Interest

$517,912

Total of Payments

$946,094

*Includes financed FHA Upfront MIP of $7,364

Local Market Insights

Yamhill County FHA Mortgage Overview

Yamhill County’s FHA market shows a 9.24% down payment and a 90.76% loan-to-value ratio, offering accessible entry for primary-residence buyers. However, this low equity position triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, an important factor for those using an FHA loan calculator with PMI and taxes in Yamhill County, OR. The 0.68% effective property tax rate, with a 0.1% inflation-adjusted increase, adds modest monthly cost. For buyers exploring Yamhill County FHA loan limits and tax calculator inputs, the 6.222% average interest rate and $463,455 property value mean MIP is permanent, unlike conventional loans. This data reflects owner-occupied purchases, not investments, reinforcing the market’s stability for first-time buyers.

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.