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Beaver County FHA Loan Calculator

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

Loan Details

Beaver County, PA Benchmarks

FHA averages
Typical Property Value$226,616
Average Down Payment11.8%
Average Interest Rate6.382%
Effective Tax Rate1.33%
Median Tax Paid$2,704/yr
Tax Growth (Historical)-1.8%
Based on 557 regional loans totaling $107,655,000 (HMDA database).
$
%

$26,741 down · $199,875 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$251 / month

$

Annual premium

$

Per month

%

$85 / month

Estimated Monthly Payment

$1,755/mo

  • Principal & Interest$1,269
  • Property Tax$251
  • Home Insurance$150
  • FHA MIP$85
Amortization · Remaining Balance

Financed Loan Amount

$203,373

Total Interest

$253,628

Total of Payments

$457,002

*Includes financed FHA Upfront MIP of $3,498

Local Market Insights

Beaver County FHA Mortgage Overview

In Beaver County, Pennsylvania, the 11.75% average down payment on FHA loans provides accessible entry for buyers, but the 88.25% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of equity. This is ideal for those with sub-620 credit scores seeking owner-occupied primary residences. When using an FHA loan calculator with PMI and taxes in Beaver County, PA, the effective property tax rate of 1.33% and the recent -1.8% inflation-adjusted tax shift slightly reduce monthly burdens. For accurate budgeting with an FHA loan down payment calculator in Beaver County, Pennsylvania, note the average interest rate is 6.382% on a $226,615.80 property. Reviewing Beaver County FHA loan limits and tax calculator inputs confirms these factors directly impact true monthly affordability.

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.