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Stevens County FHA Loan Calculator

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

Loan Details

Stevens County, WA Benchmarks

FHA averages
Typical Property Value$386,926
Average Down Payment15.3%
Average Interest Rate6.407%
Effective Tax Rate0.61%
Median Tax Paid$2,065/yr
Tax Growth (Historical)-0.6%
Based on 135 regional loans totaling $42,035,000 (HMDA database).
$
%

$59,200 down · $327,726 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$197 / month

$

Annual premium

$

Per month

%

$139 / month

Estimated Monthly Payment

$2,574/mo

  • Principal & Interest$2,088
  • Property Tax$197
  • Home Insurance$150
  • FHA MIP$139
Amortization · Remaining Balance

Financed Loan Amount

$333,462

Total Interest

$418,220

Total of Payments

$751,682

*Includes financed FHA Upfront MIP of $5,735

Local Market Insights

Stevens County FHA Mortgage Overview

Stevens County homebuyers utilizing an FHA loan are accessing the market with a 15.26% down payment on an average property value of $386,925.93. While this provides accessible entry, the 84.74% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of the down payment. This structure is ideal for buyers with sub-620 credit scores. The effective property tax rate of 0.61% offers stable affordability, and the recent -0.6% inflation-adjusted tax change provides slight relief. For a complete picture of FHA loan limits and property taxes in Stevens County, WA, understanding the MIP impact on your monthly budget is crucial.

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.