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Harrison County FHA Loan Calculator

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

Loan Details

Harrison County, MO Benchmarks

FHA averages
Typical Property Value$173,182
Average Down Payment6.4%
Average Interest Rate6.301%
Effective Tax Rate0.80%
Median Tax Paid$973/yr
Tax Growth (Historical)+6.6%
Based on 11 regional loans totaling $1,755,000 (HMDA database).
$
%

$11,084 down · $162,098 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$115 / month

$

Annual premium

$

Per month

%

$69 / month

Estimated Monthly Payment

$1,355/mo

  • Principal & Interest$1,021
  • Property Tax$115
  • Home Insurance$150
  • FHA MIP$69
Amortization · Remaining Balance

Financed Loan Amount

$164,935

Total Interest

$202,590

Total of Payments

$367,525

*Includes financed FHA Upfront MIP of $2,837

Local Market Insights

Harrison County FHA Mortgage Overview

For Harrison County homebuyers, an FHA loan with a 6.42% down payment on a $173,182 property offers accessible entry, but note that the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 93.58% LTV. The 0.80% property tax rate, adjusted 6.6% for inflation, directly boosts monthly costs—essential when using an FHA loan calculator with PMI and taxes in Harrison County, MO. Since all purchases are owner-occupied, this data reflects standard buyers, not investors. The low down payment makes an FHA loan down payment calculator in Harrison County, Missouri, critical for budgeting, especially given the 6.301% interest rate and permanent MIP.

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.