Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Ohio>Highland County (FHA)

Highland County FHA Loan Calculator

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

Loan Details

Highland County, OH Benchmarks

FHA averages
Typical Property Value$226,281
Average Down Payment12.6%
Average Interest Rate6.553%
Effective Tax Rate0.78%
Median Tax Paid$1,533/yr
Tax Growth (Historical)+0.8%
Based on 245 regional loans totaling $45,735,000 (HMDA database).
$
%

$28,511 down · $197,770 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$147 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,659/mo

  • Principal & Interest$1,279
  • Property Tax$147
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$201,231

Total Interest

$259,043

Total of Payments

$460,274

*Includes financed FHA Upfront MIP of $3,461

Local Market Insights

Highland County FHA Mortgage Overview

Highland County homebuyers using FHA loans benefit from a lower 12.57% down payment, providing accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the life of the loan. With a high 87.43% loan-to-value ratio, this FHA option suits buyers with sub-620 credit scores seeking primary residences. The effective property tax rate of 0.78%, coupled with a 0.8% inflation-adjusted increase, impacts monthly affordability. For accurate budgeting, consider an FHA loan down payment assessment in Highland County, Ohio, factoring in PMI and 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.