Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Ohio>Guernsey County (FHA)

Guernsey County FHA Loan Calculator

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

Loan Details

Guernsey County, OH Benchmarks

FHA averages
Typical Property Value$209,195
Average Down Payment13.5%
Average Interest Rate6.515%
Effective Tax Rate0.87%
Median Tax Paid$1,593/yr
Tax Growth (Historical)-1.0%
Based on 174 regional loans totaling $30,630,000 (HMDA database).
$
%

$28,241 down · $180,954 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$152 / month

$

Annual premium

$

Per month

%

$77 / month

Estimated Monthly Payment

$1,543/mo

  • Principal & Interest$1,165
  • Property Tax$152
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$184,120

Total Interest

$235,271

Total of Payments

$419,392

*Includes financed FHA Upfront MIP of $3,167

Local Market Insights

Guernsey County FHA Mortgage Overview

Guernsey County FHA buyers are leveraging a 13.5% down payment on a $209,195 average property, which is lower than the typical 20% threshold. While this provides accessible entry, the 86.5% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with sub-620 credit. The 0.87% effective tax rate, with a -1.0% inflation-adjusted decrease, slightly reduces monthly costs. For a complete view of MIP and taxes in Guernsey County, OH, this data helps estimate true affordability for standard owner-occupied purchases.

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.