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Sebastian County FHA Loan Calculator

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

Loan Details

Sebastian County, AR Benchmarks

FHA averages
Typical Property Value$224,085
Average Down Payment10.1%
Average Interest Rate6.153%
Effective Tax Rate0.62%
Median Tax Paid$1,101/yr
Tax Growth (Historical)-1.2%
Based on 503 regional loans totaling $97,785,000 (HMDA database).
$
%

$22,633 down · $201,452 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$116 / month

$

Annual premium

$

Per month

%

$85 / month

Estimated Monthly Payment

$1,600/mo

  • Principal & Interest$1,249
  • Property Tax$116
  • Home Insurance$150
  • FHA MIP$85
Amortization · Remaining Balance

Financed Loan Amount

$204,978

Total Interest

$244,584

Total of Payments

$449,562

*Includes financed FHA Upfront MIP of $3,525

Local Market Insights

Sebastian County FHA Mortgage Overview

In Sebastian County, the typical FHA buyer puts down 10.12%, providing accessible entry but mandating Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. The 89.88% loan-to-value (LTV) ratio confirms this as a lower-down-payment strategy for primary residences. At a 6.153% rate on a $224,085 property, the effective property tax rate of 0.62% adds roughly $116 monthly. The recent -1.2% inflation-adjusted tax change slightly eases long-term carrying costs. For those exploring a Sebastian County FHA loan with PMI and taxes, this data highlights a market where MIP is a permanent fixture, making total monthly affordability highly dependent on the favorable local tax trend.

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.