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Crittenden County FHA Loan Calculator

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

Loan Details

Crittenden County, KY Benchmarks

FHA averages
Typical Property Value$197,593
Average Down Payment12.1%
Average Interest Rate6.362%
Effective Tax Rate0.47%
Median Tax Paid$731/yr
Tax Growth (Historical)+9.1%
Based on 27 regional loans totaling $4,595,000 (HMDA database).
$
%

$23,909 down · $173,684 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$77 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,402/mo

  • Principal & Interest$1,101
  • Property Tax$77
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$176,724

Total Interest

$219,562

Total of Payments

$396,285

*Includes financed FHA Upfront MIP of $3,039

Local Market Insights

Crittenden County FHA Mortgage Overview

In Crittenden County, the typical FHA buyer puts 12.10% down on a $197,593 home, requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. This low entry point, combined with an 87.90% loan-to-value ratio, suits buyers with sub-620 credit. The 0.47% property tax rate is low, but a 9.1% inflation-adjusted tax change will modestly raise monthly costs. For those evaluating an FHA loan with PMI and taxes in Crittenden County, KY, this data highlights accessible entry with permanent MIP, ideal for primary residences given the 100% owner-occupancy 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.