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Pulaski County FHA Loan Calculator

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

Loan Details

Pulaski County, AR Benchmarks

FHA averages
Typical Property Value$221,935
Average Down Payment8.3%
Average Interest Rate6.266%
Effective Tax Rate0.75%
Median Tax Paid$1,642/yr
Tax Growth (Historical)+2.0%
Based on 1,655 regional loans totaling $329,945,000 (HMDA database).
$
%

$18,421 down · $203,514 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$139 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,653/mo

  • Principal & Interest$1,278
  • Property Tax$139
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$207,076

Total Interest

$252,895

Total of Payments

$459,971

*Includes financed FHA Upfront MIP of $3,562

Local Market Insights

Pulaski County FHA Mortgage Overview

In Pulaski County, FHA buyers leverage an efficient 8.29% down payment on a $221,935 average home, ensuring accessible entry despite a 6.266% rate. However, with a 91.71% LTV, the mandatory MIP remains for the loan's life, a key factor for those evaluating an FHA loan with PMI and taxes. The 0.75% effective tax rate, adjusted 2.0% for inflation, adds roughly $139 monthly to true costs. This data reflects 100% primary occupancy, confirming standard homebuyer patterns rather than investment activity. When assessing Pulaski County FHA loan limits, this lower down payment profile suits buyers with sub-620 credit seeking predictable monthly obligations.

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.