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Logan County FHA Loan Calculator

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

Loan Details

Logan County, AR Benchmarks

FHA averages
Typical Property Value$197,727
Average Down Payment15.1%
Average Interest Rate6.307%
Effective Tax Rate0.48%
Median Tax Paid$716/yr
Tax Growth (Historical)+3.7%
Based on 77 regional loans totaling $12,265,000 (HMDA database).
$
%

$29,857 down · $167,870 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$79 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,359/mo

  • Principal & Interest$1,058
  • Property Tax$79
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$170,808

Total Interest

$210,205

Total of Payments

$381,013

*Includes financed FHA Upfront MIP of $2,938

Local Market Insights

Logan County FHA Mortgage Overview

For Logan County homebuyers, the data reveals a market where FHA loans provide accessible entry. The 15.14% down payment is well above the 3.5% minimum, yet still triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—a key factor when using an FHA loan calculator with PMI and taxes in Logan County, AR. The 84.86% Loan-to-Value (LTV) ratio confirms this, and since 100% are owner-occupied, these are standard homebuyers, not investors.

The 0.48% effective property tax rate is low, but the recent 3.7% inflation-adjusted tax increase will modestly raise monthly costs. When evaluating an FHA loan down payment calculator in Logan County, Arkansas, remember that MIP doesn't drop off, making this structure ideal for buyers with sub-620 credit scores. A Logan County FHA mortgage calculator with property taxes must account for this permanent insurance cost alongside the $197,727 average property value and 6.307% 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.