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Livingston County FHA Loan Calculator

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

Loan Details

Livingston County, MO Benchmarks

FHA averages
Typical Property Value$194,057
Average Down Payment12.8%
Average Interest Rate6.562%
Effective Tax Rate0.75%
Median Tax Paid$1,202/yr
Tax Growth (Historical)-6.2%
Based on 53 regional loans totaling $8,575,000 (HMDA database).
$
%

$24,839 down · $169,218 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$121 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,438/mo

  • Principal & Interest$1,095
  • Property Tax$121
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$172,179

Total Interest

$222,054

Total of Payments

$394,233

*Includes financed FHA Upfront MIP of $2,961

Local Market Insights

Livingston County FHA Mortgage Overview

For Livingston County homebuyers using an FHA loan, the 12.81% average down payment provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life regardless of equity. The 87.19% loan-to-value ratio and 100% owner-occupancy rate confirm this is a primary residence market. With an effective property tax rate of 0.75% and a recent inflation-adjusted tax decline of -6.2%, monthly affordability benefits. When exploring an FHA loan with PMI and taxes in Livingston County, MO, the average 6.562% rate on a $194,057 property means your down payment and tax savings directly offset the lifetime MIP 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.