Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Ohio>Columbiana County (FHA)

Columbiana County FHA Loan Calculator

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

Loan Details

Columbiana County, OH Benchmarks

FHA averages
Typical Property Value$195,323
Average Down Payment13.5%
Average Interest Rate6.552%
Effective Tax Rate0.97%
Median Tax Paid$1,527/yr
Tax Growth (Historical)-0.5%
Based on 403 regional loans totaling $65,425,000 (HMDA database).
$
%

$26,369 down · $168,954 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$158 / month

$

Annual premium

$

Per month

%

$72 / month

Estimated Monthly Payment

$1,472/mo

  • Principal & Interest$1,092
  • Property Tax$158
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$171,911

Total Interest

$221,300

Total of Payments

$393,211

*Includes financed FHA Upfront MIP of $2,957

Local Market Insights

Columbiana County FHA Mortgage Overview

Columbiana County homebuyers using FHA loans put down a weighted average of 13.54%, well above the 3.5% minimum. This lowers the Loan-to-Value ratio to 86.46%, yet mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life—key for those with sub-620 credit. The 0.97% effective property tax rate, with a -0.5% inflation-adjusted decline, slightly eases monthly costs. An FHA loan calculator with PMI and taxes in Columbiana County, OH, will show how this down payment and tax shift affect true affordability. Given the 100% primary occupancy rate, this data reflects standard homeowners, not investors.

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.