Warren County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Warren County, PA Benchmarks

FHA averages

Typical Property Value$152,312

Average Down Payment15.0%

Average Interest Rate6.494%

Effective Tax Rate1.12%

Median Tax Paid$1,687/yr

Tax Growth (Historical)-3.4%

Based on 93 regional loans totaling $11,245,000 (HMDA database).

Home Price

Down Payment

$22,847 down · $129,465 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

$142 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$55 / month

Estimated Monthly Payment

$1,179/mo

Principal & Interest$832
Property Tax$142
Home Insurance$150
FHA MIP$55

Amortization · Remaining Balance

Financed Loan Amount

$131,731

Total Interest

$167,704

Total of Payments

$299,434

*Includes financed FHA Upfront MIP of $2,266

Local Market Insights

Warren County FHA Mortgage Overview

In Warren County, the 15.04% average down payment on an FHA loan provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life regardless of equity. With an 84.96% loan-to-value ratio, this market favors buyers with sub-620 credit scores. The effective property tax rate of 1.12% adds $142.16 monthly on a $152,311 property, though a -3.4% inflation-adjusted tax shift slightly lowers the burden. For an FHA loan with PMI and taxes in Warren County, PA, these figures shape true monthly affordability. This data reflects 100% primary occupancy, not investment properties.

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.