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Clinton County FHA Loan Calculator

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

Loan Details

Clinton County, NY Benchmarks

FHA averages
Typical Property Value$226,288
Average Down Payment8.9%
Average Interest Rate6.713%
Effective Tax Rate1.79%
Median Tax Paid$3,606/yr
Tax Growth (Historical)+1.1%
Based on 132 regional loans totaling $26,720,000 (HMDA database).
$
%

$20,140 down · $206,148 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$338 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,930/mo

  • Principal & Interest$1,355
  • Property Tax$338
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$209,756

Total Interest

$278,008

Total of Payments

$487,764

*Includes financed FHA Upfront MIP of $3,608

Local Market Insights

Clinton County FHA Mortgage Overview

Clinton County homebuyers using FHA loans are making a modest 8.90% down payment, well below the 20% threshold, which means mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan. This is ideal for buyers with sub-620 credit scores seeking accessible entry. With a 91.10% Loan-to-Value (LTV) ratio and 100% primary occupancy, the risk profile is standard for owner-occupied housing. The effective property tax rate of 1.79% adds significant monthly cost, especially with a 1.1% inflation-adjusted tax increase. For accurate budgeting, an FHA loan with PMI and taxes in Clinton County, NY, requires factoring this tax burden into your true monthly affordability.

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.