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Coshocton County FHA Loan Calculator

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

Loan Details

Coshocton County, OH Benchmarks

FHA averages
Typical Property Value$199,097
Average Down Payment11.3%
Average Interest Rate6.589%
Effective Tax Rate0.89%
Median Tax Paid$1,473/yr
Tax Growth (Historical)+3.7%
Based on 144 regional loans totaling $24,580,000 (HMDA database).
$
%

$22,498 down · $176,599 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$75 / month

Estimated Monthly Payment

$1,519/mo

  • Principal & Interest$1,146
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$75
Amortization · Remaining Balance

Financed Loan Amount

$179,690

Total Interest

$233,020

Total of Payments

$412,710

*Includes financed FHA Upfront MIP of $3,090

Local Market Insights

Coshocton County FHA Mortgage Overview

In Coshocton County, the FHA market is defined by accessible entry and mandatory long-term costs. The 11.29% average down payment—well above the 3.5% minimum—still triggers a lifetime Mortgage Insurance Premium (MIP) due to the 88.71% loan-to-value ratio. This makes FHA ideal for buyers with sub-620 credit scores seeking an FHA loan with PMI and taxes. The effective property tax rate of 0.89%, coupled with a 3.7% inflation-adjusted increase, directly impacts monthly affordability. This data, reflecting 100% primary residences, shows that while down payments are manageable, the true cost of an FHA mortgage in Coshocton County includes permanent MIP and rising local taxes.

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.