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Lawrence County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Lawrence County, OH Benchmarks

FHA averages
Typical Property Value$189,204
Average Down Payment10.6%
Average Interest Rate6.590%
Effective Tax Rate0.87%
$
%

$20,056 down · $169,148 financed

Estimated Monthly Payment

$1,457/mo

  • Principal & Interest$1,098
  • Property Tax$137
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$172,108

Total Interest

$223,189

Total of Payments

$395,298

*Includes financed FHA Upfront MIP of $2,960

Local Market Insights

Lawrence County FHA Mortgage Overview

For Lawrence County homebuyers, the 10.55% average down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of equity. With a high 89.45% loan-to-value ratio and 100% primary occupancy, this market favors buyers with sub-620 credit scores. The effective property tax rate of 0.87% is moderate, and the recent -1.2% inflation-adjusted tax shift slightly eases monthly affordability when using an FHA loan with PMI and taxes in Lawrence County, OH. An FHA loan down payment analysis in Lawrence County, Ohio, shows the average property value is $189,203.54, with a 6.590% interest rate. Understanding Lawrence County FHA loan limits and tax impacts helps buyers budget accurately.

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.