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Athens County FHA Loan Calculator

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

Loan Details

Athens County, OH Benchmarks

FHA averages
Typical Property Value$213,900
Average Down Payment11.9%
Average Interest Rate6.533%
Effective Tax Rate1.16%
Median Tax Paid$2,167/yr
Tax Growth (Historical)+0.4%
Based on 100 regional loans totaling $18,280,000 (HMDA database).
$
%

$25,454 down · $188,446 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$207 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,652/mo

  • Principal & Interest$1,216
  • Property Tax$207
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$191,744

Total Interest

$245,921

Total of Payments

$437,665

*Includes financed FHA Upfront MIP of $3,298

Local Market Insights

Athens County FHA Mortgage Overview

For Athens County homebuyers, the 11.93% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life regardless of equity. The 88.07% loan-to-value ratio confirms this, making it ideal for those with sub-620 credit scores seeking primary residences. The effective 1.16% property tax rate, with a recent 0.4% inflation-adjusted increase, adds to monthly costs. When evaluating an FHA mortgage with property taxes and PMI in Athens County, Ohio, this combination means true affordability hinges on factoring in both the upfront down payment and the permanent MIP burden alongside local tax shifts.

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.