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Benton County FHA Loan Calculator

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

Loan Details

Benton County, AR Benchmarks

FHA averages
Typical Property Value$333,957
Average Down Payment9.7%
Average Interest Rate6.117%
Effective Tax Rate0.57%
Median Tax Paid$1,823/yr
Tax Growth (Historical)+2.2%
Based on 1,439 regional loans totaling $422,205,000 (HMDA database).
$
%

$32,394 down · $301,563 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$159 / month

$

Annual premium

$

Per month

%

$128 / month

Estimated Monthly Payment

$2,300/mo

  • Principal & Interest$1,863
  • Property Tax$159
  • Home Insurance$150
  • FHA MIP$128
Amortization · Remaining Balance

Financed Loan Amount

$306,841

Total Interest

$363,985

Total of Payments

$670,825

*Includes financed FHA Upfront MIP of $5,277

Local Market Insights

Benton County FHA Mortgage Overview

Benton County’s FHA market shows a 9.74% down payment, offering accessible entry with a 90.26% LTV. However, FHA mandates MIP for the loan’s life, even with this equity—ideal for buyers with sub-620 credit. The 0.57% property tax rate, with a 2.2% inflation-adjusted rise, keeps monthly costs manageable. For accurate budgeting with PMI and taxes in Benton County, AR, this data helps refine your FHA mortgage assessment. The 100% owner-occupied rate confirms these are standard homebuyers, not investors.

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.