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Pulaski County FHA Loan Calculator

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

Loan Details

Pulaski County, MO Benchmarks

FHA averages
Typical Property Value$216,024
Average Down Payment10.8%
Average Interest Rate6.493%
Effective Tax Rate0.60%
Median Tax Paid$1,159/yr
Tax Growth (Historical)-3.0%
Based on 127 regional loans totaling $23,845,000 (HMDA database).
$
%

$23,331 down · $192,693 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$108 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,578/mo

  • Principal & Interest$1,238
  • Property Tax$108
  • Home Insurance$150
  • FHA MIP$82
Amortization · Remaining Balance

Financed Loan Amount

$196,066

Total Interest

$249,607

Total of Payments

$445,672

*Includes financed FHA Upfront MIP of $3,372

Local Market Insights

Pulaski County FHA Mortgage Overview

For Pulaski County homebuyers, the 10.75% down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, regardless of equity. This is ideal for buyers with sub-620 credit. The 89.25% Loan-to-Value ratio confirms a minimal cushion. With a 0.60% effective property tax rate and a -3.0% inflation-adjusted tax decrease, true monthly affordability is slightly improved. When assessing an FHA loan with PMI and taxes in Pulaski County, MO, remember this data reflects standard owner-occupied purchases, not investments.

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.