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Osage County FHA Loan Calculator

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

Loan Details

Osage County, MO Benchmarks

FHA averages
Typical Property Value$198,846
Average Down Payment13.6%
Average Interest Rate6.490%
Effective Tax Rate0.51%
Median Tax Paid$1,307/yr
Tax Growth (Historical)+3.8%
Based on 39 regional loans totaling $6,405,000 (HMDA database).
$
%

$27,043 down · $171,803 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$85 / month

$

Annual premium

$

Per month

%

$73 / month

Estimated Monthly Payment

$1,411/mo

  • Principal & Interest$1,104
  • Property Tax$85
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$174,809

Total Interest

$222,546

Total of Payments

$397,356

*Includes financed FHA Upfront MIP of $3,007

Local Market Insights

Osage County FHA Mortgage Overview

In Osage County, the 13.60% down payment on an FHA loan provides accessible entry for buyers, but the 86.40% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with sub-620 credit. With property taxes at a low 0.51% and a recent 3.8% inflation-adjusted increase, monthly affordability remains stable. For an accurate view of your FHA loan down payment with PMI and taxes in Osage County, MO, consider how these fixed costs shape your budget.

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.