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Washington County FHA Loan Calculator

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

Loan Details

Washington County, MO Benchmarks

FHA averages
Typical Property Value$248,218
Average Down Payment13.1%
Average Interest Rate6.589%
Effective Tax Rate0.52%
Median Tax Paid$719/yr
Tax Growth (Historical)+2.3%
Based on 87 regional loans totaling $18,425,000 (HMDA database).
$
%

$32,517 down · $215,701 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$108 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,749/mo

  • Principal & Interest$1,400
  • Property Tax$108
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$219,476

Total Interest

$284,616

Total of Payments

$504,092

*Includes financed FHA Upfront MIP of $3,775

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers using an FHA loan, the 13.09% down payment provides accessible entry, yet the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the high 86.91% loan-to-value ratio—ideal for those with sub-620 credit. With an average property value of $248,218.39, the 0.52% effective tax rate and 2.3% inflation-adjusted tax shift add modest monthly cost. This FHA loan with PMI and taxes in Washington County, MO, suits primary residences (100% owner-occupied) seeking predictable payments. For Washington County FHA loan limits and tax considerations, the 6.589% rate and 13.09% down payment balance affordability with long-term MIP obligations.

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.