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St. Clair County FHA Loan Calculator

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

Loan Details

St. Clair County, MO Benchmarks

FHA averages
Typical Property Value$194,667
Average Down Payment13.4%
Average Interest Rate6.380%
Effective Tax Rate0.51%
Median Tax Paid$966/yr
Tax Growth (Historical)+2.9%
Based on 30 regional loans totaling $4,830,000 (HMDA database).
$
%

$26,085 down · $168,582 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$83 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,375/mo

  • Principal & Interest$1,071
  • Property Tax$83
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$171,532

Total Interest

$213,919

Total of Payments

$385,451

*Includes financed FHA Upfront MIP of $2,950

Local Market Insights

St. Clair County FHA Mortgage Overview

For St. Clair County homebuyers, the 13.45% down payment on an FHA loan provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life due to the 86.55% Loan-to-Value ratio. This data, reflecting 100% primary residences, suits buyers with sub-620 credit scores. The 0.51% property tax rate, with a 2.9% inflation-adjusted increase, adds modest monthly costs. When using an FHA mortgage tool with property taxes, factor in these MIP and tax impacts for true affordability. The average 6.38% interest rate on a $194,666.67 property highlights current market conditions.

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.