Scott County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Scott County, MO Benchmarks

FHA averages

Typical Property Value$189,167

Average Down Payment10.4%

Average Interest Rate6.421%

Effective Tax Rate0.58%

Median Tax Paid$957/yr

Tax Growth (Historical)-0.8%

Based on 144 regional loans totaling $24,050,000 (HMDA database).

Home Price

Down Payment

$19,673 down · $169,494 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

$91 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$72 / month

Estimated Monthly Payment

$1,394/mo

Principal & Interest$1,081
Property Tax$91
Home Insurance$150
FHA MIP$72

Amortization · Remaining Balance

Financed Loan Amount

$172,460

Total Interest

$216,702

Total of Payments

$389,162

*Includes financed FHA Upfront MIP of $2,966

Local Market Insights

Scott County FHA Mortgage Overview

In Scott County, the 10.39% average down payment on FHA loans provides accessible entry for buyers, though the 89.61% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan—ideal for those with sub-620 credit. With a 6.421% rate on a $189,167 property, the effective tax rate of 0.58% and a -0.8% inflation-adjusted tax decrease slightly improve monthly affordability. This FHA loan with PMI and taxes in Scott County, MO, reflects a 100% primary occupancy rate, confirming standard homebuyer activity rather than investment purchases.

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.