Lincoln County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Lincoln County, AR Benchmarks

FHA averages

Typical Property Value$179,667

Average Down Payment6.7%

Average Interest Rate6.244%

Effective Tax Rate0.52%

Median Tax Paid$566/yr

Tax Growth (Historical)-4.0%

Based on 30 regional loans totaling $5,230,000 (HMDA database).

Home Price

Down Payment

$12,038 down · $167,629 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

$78 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$71 / month

Estimated Monthly Payment

$1,348/mo

Principal & Interest$1,049
Property Tax$78
Home Insurance$150
FHA MIP$71

Amortization · Remaining Balance

Financed Loan Amount

$170,563

Total Interest

$207,104

Total of Payments

$377,667

*Includes financed FHA Upfront MIP of $2,934

Local Market Insights

Lincoln County FHA Mortgage Overview

Lincoln County's FHA market reveals accessible entry for owner-occupants, with a 6.65% down payment on an average $179,667 property. This low down payment, paired with a 93.35% LTV, triggers mandatory MIP for the loan's life—ideal for buyers with sub-620 credit. The 0.52% effective tax rate is modest, and the recent -4.0% inflation-adjusted tax change further eases monthly costs. For those exploring an FHA loan with PMI and taxes in Lincoln County, AR, or assessing Lincoln County FHA loan limits, this data underscores affordability despite the 6.244% rate.

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.