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Perry County FHA Loan Calculator

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

Loan Details

Perry County, PA Benchmarks

FHA averages
Typical Property Value$289,132
Average Down Payment13.8%
Average Interest Rate6.386%
Effective Tax Rate1.07%
Median Tax Paid$2,859/yr
Tax Growth (Historical)-0.1%
Based on 121 regional loans totaling $29,155,000 (HMDA database).
$
%

$39,900 down · $249,232 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$258 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$2,098/mo

  • Principal & Interest$1,585
  • Property Tax$258
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$253,593

Total Interest

$316,856

Total of Payments

$570,449

*Includes financed FHA Upfront MIP of $4,362

Local Market Insights

Perry County FHA Mortgage Overview

Perry County FHA buyers benefit from the 13.83% down payment, which provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. The 86.17% loan-to-value ratio confirms this, making it ideal for those with sub-620 credit scores. The effective property tax rate of 1.07% on a $289,132 average home adds roughly $258 monthly, but the -0.1% inflation-adjusted tax change offers slight relief. When evaluating an FHA loan with PMI and taxes in Perry County, PA, note that all purchases here are primary residences, reinforcing stable occupancy.

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.