Perry County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Perry County, MO Benchmarks

FHA averages

Typical Property Value$216,364

Average Down Payment11.4%

Average Interest Rate6.344%

Effective Tax Rate0.57%

Median Tax Paid$1,395/yr

Tax Growth (Historical)-1.1%

Based on 66 regional loans totaling $12,280,000 (HMDA database).

Home Price

Down Payment

$24,665 down · $191,699 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$103 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$81 / month

Estimated Monthly Payment

$1,546/mo

Principal & Interest$1,212
Property Tax$103
Home Insurance$150
FHA MIP$81

Amortization · Remaining Balance

Financed Loan Amount

$195,053

Total Interest

$241,417

Total of Payments

$436,470

*Includes financed FHA Upfront MIP of $3,355

Local Market Insights

Perry County FHA Mortgage Overview

For Perry County homebuyers using an FHA loan, the 11.40% down payment on a $216,364 property offers accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. The 88.60% loan-to-value ratio confirms a low-risk, owner-occupied market. With a 6.344% interest rate and a 0.57% property tax rate—recently adjusted down by -1.1% inflation-adjusted—monthly affordability is slightly improved. This data helps evaluate Perry County FHA loan limits and tax impacts for primary residences.

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.