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Warren County FHA Loan Calculator

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

Loan Details

Warren County, KY Benchmarks

FHA averages
Typical Property Value$287,391
Average Down Payment9.2%
Average Interest Rate6.122%
Effective Tax Rate0.62%
Median Tax Paid$1,668/yr
Tax Growth (Historical)+3.9%
Based on 548 regional loans totaling $141,170,000 (HMDA database).
$
%

$26,440 down · $260,951 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$111 / month

Estimated Monthly Payment

$2,022/mo

  • Principal & Interest$1,612
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$111
Amortization · Remaining Balance

Financed Loan Amount

$265,518

Total Interest

$314,966

Total of Payments

$580,484

*Includes financed FHA Upfront MIP of $4,567

Local Market Insights

Warren County FHA Mortgage Overview

For Warren County homebuyers, the 9.20% average FHA down payment on a $287,391 property provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 90.80% LTV ratio. This FHA loan structure is ideal for those with sub-620 credit. The 0.62% effective property tax rate and 3.9% inflation-adjusted increase directly raise monthly costs, so factoring in PMI and taxes is essential when evaluating a Warren County FHA mortgage. All data reflects primary residences, not investments.

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.