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Clarion County FHA Loan Calculator

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

Loan Details

Clarion County, PA Benchmarks

FHA averages
Typical Property Value$178,636
Average Down Payment12.5%
Average Interest Rate6.463%
Effective Tax Rate0.91%
Median Tax Paid$1,503/yr
Tax Growth (Historical)-1.3%
Based on 66 regional loans totaling $9,980,000 (HMDA database).
$
%

$22,330 down · $156,307 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$135 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,353/mo

  • Principal & Interest$1,001
  • Property Tax$135
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$159,042

Total Interest

$201,344

Total of Payments

$360,386

*Includes financed FHA Upfront MIP of $2,735

Local Market Insights

Clarion County FHA Mortgage Overview

In Clarion County, the typical FHA buyer puts 12.47% down on a $178,636 property, which is higher than the minimum 3.5%, keeping monthly costs manageable. However, the 87.53% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, a key factor for those using an FHA loan calculator with PMI and taxes in Clarion County, PA. The effective 0.91% property tax rate, combined with a -1.3% inflation-adjusted decrease, offers slight relief on true monthly affordability. Since 100% of these loans are for primary residences, this data reflects owner-occupied entry, making Clarion County FHA loan limits and tax considerations critical for budgeting.

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.