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Carlisle County FHA Loan Calculator

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

Loan Details

Carlisle County, KY Benchmarks

FHA averages
Typical Property Value$156,111
Average Down Payment10.3%
Average Interest Rate6.364%
Effective Tax Rate0.51%
Median Tax Paid$945/yr
Tax Growth (Historical)+3.3%
Based on 18 regional loans totaling $2,440,000 (HMDA database).
$
%

$16,079 down · $140,032 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$66 / month

$

Annual premium

$

Per month

%

$59 / month

Estimated Monthly Payment

$1,163/mo

  • Principal & Interest$888
  • Property Tax$66
  • Home Insurance$150
  • FHA MIP$59
Amortization · Remaining Balance

Financed Loan Amount

$142,482

Total Interest

$177,020

Total of Payments

$319,502

*Includes financed FHA Upfront MIP of $2,451

Local Market Insights

Carlisle County FHA Mortgage Overview

For Carlisle County homebuyers, the 10.33% average down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity built, making it ideal for those with sub-620 credit. The 89.67% loan-to-value ratio confirms this is a low-equity, owner-occupied market. The 0.51% property tax rate is low, but the 3.3% inflation-adjusted shift will modestly raise monthly costs. When evaluating an FHA loan with PMI and taxes in Carlisle County, KY, this data helps you understand true affordability.

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.