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Brooke County FHA Loan Calculator

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

Loan Details

Brooke County, WV Benchmarks

FHA averages
Typical Property Value$180,303
Average Down Payment10.3%
Average Interest Rate6.436%
Effective Tax Rate0.55%
Median Tax Paid$746/yr
Tax Growth (Historical)+4.9%
Based on 66 regional loans totaling $10,400,000 (HMDA database).
$
%

$18,571 down · $161,732 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$83 / month

$

Annual premium

$

Per month

%

$69 / month

Estimated Monthly Payment

$1,335/mo

  • Principal & Interest$1,034
  • Property Tax$83
  • Home Insurance$150
  • FHA MIP$69
Amortization · Remaining Balance

Financed Loan Amount

$164,562

Total Interest

$207,555

Total of Payments

$372,117

*Includes financed FHA Upfront MIP of $2,830

Local Market Insights

Brooke County FHA Mortgage Overview

In Brooke County, the 10.25% weighted average down payment on an FHA loan provides accessible entry, but mandates Mortgage Insurance Premiums (MIP) for the loan’s life regardless of equity. With a 89.75% Loan-to-Value (LTV) ratio and 100% primary occupancy, this FHA loan down payment data indicates a market favoring buyers with sub-620 credit scores. The effective property tax rate of 0.55% is low, but a 4.9% inflation-adjusted tax shift will modestly elevate monthly costs. For precise budgeting, use an FHA mortgage tool with property taxes to assess total affordability in Brooke County, WV.

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.