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Jackson County FHA Loan Calculator

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

Loan Details

Jackson County, OH Benchmarks

FHA averages
Typical Property Value$208,403
Average Down Payment11.5%
Average Interest Rate6.624%
Effective Tax Rate0.90%
Median Tax Paid$1,363/yr
Tax Growth (Historical)-1.3%
Based on 145 regional loans totaling $26,165,000 (HMDA database).
$
%

$23,966 down · $184,437 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$156 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,586/mo

  • Principal & Interest$1,201
  • Property Tax$156
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$187,664

Total Interest

$244,701

Total of Payments

$432,365

*Includes financed FHA Upfront MIP of $3,228

Local Market Insights

Jackson County FHA Mortgage Overview

Jackson County homebuyers using FHA loans are entering the market with an 11.52% down payment on an average $208,403 property. While this provides accessible entry, the 88.48% loan-to-value ratio means mandatory MIP remains for the loan’s life, a key factor when using an FHA loan calculator with PMI and taxes in Jackson County, OH. The 0.90% effective tax rate is modest, and the recent -1.3% inflation-adjusted tax change slightly reduces monthly burden. For those exploring Jackson County FHA loan limits and tax calculator tools, this data confirms FHA is ideal for owner-occupied buyers, especially those with sub-620 credit, given the permanent MIP requirement.

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.