Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Pennsylvania>Jefferson County (FHA)

Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, PA Benchmarks

FHA averages
Typical Property Value$172,215
Average Down Payment13.7%
Average Interest Rate6.465%
Effective Tax Rate0.85%
Median Tax Paid$1,402/yr
Tax Growth (Historical)-3.6%
Based on 79 regional loans totaling $11,175,000 (HMDA database).
$
%

$23,593 down · $148,622 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$122 / month

$

Annual premium

$

Per month

%

$63 / month

Estimated Monthly Payment

$1,287/mo

  • Principal & Interest$952
  • Property Tax$122
  • Home Insurance$150
  • FHA MIP$63
Amortization · Remaining Balance

Financed Loan Amount

$151,222

Total Interest

$191,445

Total of Payments

$342,667

*Includes financed FHA Upfront MIP of $2,601

Local Market Insights

Jefferson County FHA Mortgage Overview

In Jefferson County, the 13.68% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With a median loan-to-value ratio of 86.32%, this market suits buyers with sub-620 credit scores. The effective property tax rate of 0.85% and a recent inflation-adjusted tax change of -3.6% lower monthly affordability. For those using an FHA loan calculator with PMI and taxes in Jefferson County, PA, this tax relief slightly offsets the 6.465% interest rate on a $172,215 average property value. All data reflects owner-occupied purchases.

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.