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DeKalb County FHA Loan Calculator

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

Loan Details

DeKalb County, MO Benchmarks

FHA averages
Typical Property Value$265,800
Average Down Payment17.0%
Average Interest Rate6.380%
Effective Tax Rate0.59%
Median Tax Paid$1,285/yr
Tax Growth (Historical)-1.8%
Based on 25 regional loans totaling $5,515,000 (HMDA database).
$
%

$45,186 down · $220,614 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$131 / month

$

Annual premium

$

Per month

%

$94 / month

Estimated Monthly Payment

$1,775/mo

  • Principal & Interest$1,401
  • Property Tax$131
  • Home Insurance$150
  • FHA MIP$94
Amortization · Remaining Balance

Financed Loan Amount

$224,475

Total Interest

$279,944

Total of Payments

$504,419

*Includes financed FHA Upfront MIP of $3,861

Local Market Insights

DeKalb County FHA Mortgage Overview

In DeKalb County, the 17.00% down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. The 83.00% loan-to-value ratio confirms this typical FHA risk profile, ideal for buyers with sub-620 credit seeking primary residence financing. With a 0.59% effective tax rate and a -1.8% inflation-adjusted tax decrease, monthly affordability improves slightly. When evaluating an FHA loan with PMI and taxes in DeKalb County, MO, or using an FHA mortgage tool with property taxes, remember that the average property value of $265,800 and 6.380% interest rate shape your total cost.

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.