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Clearfield County FHA Loan Calculator

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

Loan Details

Clearfield County, PA Benchmarks

FHA averages
Typical Property Value$181,414
Average Down Payment13.6%
Average Interest Rate6.545%
Effective Tax Rate1.07%
Median Tax Paid$1,500/yr
Tax Growth (Historical)-2.2%
Based on 198 regional loans totaling $29,800,000 (HMDA database).
$
%

$24,672 down · $156,742 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$162 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,390/mo

  • Principal & Interest$1,012
  • Property Tax$162
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$159,485

Total Interest

$204,926

Total of Payments

$364,410

*Includes financed FHA Upfront MIP of $2,743

Local Market Insights

Clearfield County FHA Mortgage Overview

Clearfield County’s FHA market shows accessible entry with a 13.58% down payment on a $181,414 average property. However, this lower equity means mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, ideal for buyers with sub-620 credit. The 86.42% loan-to-value ratio confirms minimal cash outlay, but MIP adds to monthly costs. The effective 1.07% property tax rate, combined with a -2.2% inflation-adjusted decrease, slightly eases true monthly affordability. For Clearfield County FHA loan planning with PMI and taxes, this data highlights fixed MIP as a key factor in long-term 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.