Stone County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Stone County, MO Benchmarks

FHA averages

Typical Property Value$259,038

Average Down Payment13.5%

Average Interest Rate6.401%

Effective Tax Rate0.44%

Median Tax Paid$1,168/yr

Tax Growth (Historical)-2.9%

Based on 104 regional loans totaling $22,060,000 (HMDA database).

Home Price

Down Payment

$34,970 down · $224,068 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

$95 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$95 / month

Estimated Monthly Payment

$1,766/mo

Principal & Interest$1,426
Property Tax$95
Home Insurance$150
FHA MIP$95

Amortization · Remaining Balance

Financed Loan Amount

$227,989

Total Interest

$285,402

Total of Payments

$513,391

*Includes financed FHA Upfront MIP of $3,921

Local Market Insights

Stone County FHA Mortgage Overview

In Stone County, the 13.46% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of equity. With a median 86.54% Loan-to-Value (LTV) and 100% owner-occupied purchases, this suits buyers with sub-620 credit scores. The effective property tax rate of 0.44% is low, and the recent -2.9% inflation-adjusted tax change reduces monthly costs. When assessing an FHA loan with PMI and taxes in Stone County, MO, or reviewing Stone County FHA loan limits and property taxes, these figures confirm stable affordability 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.