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Dunklin County FHA Loan Calculator

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

Loan Details

Dunklin County, MO Benchmarks

FHA averages
Typical Property Value$153,493
Average Down Payment7.6%
Average Interest Rate6.593%
Effective Tax Rate0.71%
Median Tax Paid$688/yr
Tax Growth (Historical)+2.5%
Based on 73 regional loans totaling $10,355,000 (HMDA database).
$
%

$11,665 down · $141,828 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$91 / month

$

Annual premium

$

Per month

%

$60 / month

Estimated Monthly Payment

$1,222/mo

  • Principal & Interest$921
  • Property Tax$91
  • Home Insurance$150
  • FHA MIP$60
Amortization · Remaining Balance

Financed Loan Amount

$144,310

Total Interest

$187,140

Total of Payments

$331,449

*Includes financed FHA Upfront MIP of $2,482

Local Market Insights

Dunklin County FHA Mortgage Overview

In Dunklin County, the 7.59% average down payment on FHA loans reflects accessible entry for owner-occupants, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 92.41% LTV ratio. This is ideal for buyers with sub-620 credit. The effective property tax rate of 0.71% is low, yet the 2.5% inflation-adjusted tax increase will modestly raise monthly costs. When evaluating an FHA loan with PMI and taxes in Dunklin County, MO, understand that property taxes and permanent MIP significantly impact true affordability. For Dunklin County FHA loan limits and tax considerations, this data indicates a stable, entry-level market with predictable recurring costs.

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.