Butler County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Butler County, PA Benchmarks

FHA averages

Typical Property Value$302,543

Average Down Payment11.0%

Average Interest Rate6.198%

Effective Tax Rate0.97%

Median Tax Paid$2,970/yr

Tax Growth (Historical)-2.3%

Based on 403 regional loans totaling $106,555,000 (HMDA database).

Home Price

Down Payment

$33,280 down · $269,263 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

$245 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$114 / month

Estimated Monthly Payment

$2,187/mo

Principal & Interest$1,678
Property Tax$245
Home Insurance$150
FHA MIP$114

Amortization · Remaining Balance

Financed Loan Amount

$273,975

Total Interest

$330,110

Total of Payments

$604,085

*Includes financed FHA Upfront MIP of $4,712

Local Market Insights

Butler County FHA Mortgage Overview

Butler County homebuyers using FHA loans benefit from an accessible 11.00% down payment on an average property value of $302,543. However, this 89.00% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, a key factor for those evaluating FHA loan down payment options. The effective property tax rate of 0.97% is slightly offset by a -2.3% inflation-adjusted tax change, lowering monthly costs. This data, reflecting 100% primary residences, shows FHA remains ideal for buyers with sub-620 credit scores seeking predictable entry into the Butler County market.

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.