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Warren County FHA Loan Calculator

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

Loan Details

Warren County, MS Benchmarks

FHA averages
Typical Property Value$199,221
Average Down Payment8.7%
Average Interest Rate6.396%
Effective Tax Rate0.47%
Median Tax Paid$1,244/yr
Tax Growth (Historical)-2.2%
Based on 154 regional loans totaling $27,540,000 (HMDA database).
$
%

$17,332 down · $181,889 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$78 / month

$

Annual premium

$

Per month

%

$77 / month

Estimated Monthly Payment

$1,463/mo

  • Principal & Interest$1,158
  • Property Tax$78
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$185,072

Total Interest

$231,677

Total of Payments

$416,749

*Includes financed FHA Upfront MIP of $3,183

Local Market Insights

Warren County FHA Mortgage Overview

Warren County’s FHA market shows accessible entry, with an average 8.72% down payment on properties around $199,220. This low barrier suits buyers using an FHA loan calculator with PMI and taxes in Warren County, MS, but note that mandatory MIP applies for the loan’s life due to the 91.28% LTV ratio. The effective property tax rate of 0.47% is modest, and the recent -2.2% inflation-adjusted tax shift slightly lowers monthly costs, improving true affordability. For those exploring an FHA down payment calculator in Warren County, Mississippi, this data reflects 100% owner-occupied purchases, ideal for sub-620 credit profiles seeking stable housing. Reviewing Warren County FHA loan limits and tax calculator inputs confirms these trends support budget-conscious buyers.

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.