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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, AR Benchmarks

FHA averages
Typical Property Value$166,550
Average Down Payment9.0%
Average Interest Rate6.335%
Effective Tax Rate0.63%
Median Tax Paid$745/yr
Tax Growth (Historical)+8.3%
Based on 271 regional loans totaling $39,795,000 (HMDA database).
$
%

$14,990 down · $151,561 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$87 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,259/mo

  • Principal & Interest$958
  • Property Tax$87
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$154,213

Total Interest

$190,506

Total of Payments

$344,719

*Includes financed FHA Upfront MIP of $2,652

Local Market Insights

Jefferson County FHA Mortgage Overview

For Jefferson County homebuyers, the 9.04% average down payment on FHA loans offers accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life due to the 90.96% loan-to-value ratio. This FHA loan structure, combined with a 6.335% interest rate on a $166,549.82 property, suits those with sub-620 credit. The 0.63% property tax rate is modest, yet the recent 8.3% inflation-adjusted tax increase will raise monthly affordability. All data reflects owner-occupied primary residences, not investments.

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.