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Noble County FHA Loan Calculator

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

Loan Details

Noble County, OH Benchmarks

FHA averages
Typical Property Value$208,793
Average Down Payment12.0%
Average Interest Rate6.498%
Effective Tax Rate0.64%
Median Tax Paid$1,180/yr
Tax Growth (Historical)-2.8%
Based on 29 regional loans totaling $5,175,000 (HMDA database).
$
%

$25,055 down · $183,738 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$111 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,521/mo

  • Principal & Interest$1,182
  • Property Tax$111
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$186,953

Total Interest

$238,449

Total of Payments

$425,402

*Includes financed FHA Upfront MIP of $3,215

Local Market Insights

Noble County FHA Mortgage Overview

For Noble County homebuyers using an FHA loan, the 12.02% average down payment provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 87.98% LTV ratio. This data reflects 100% owner-occupied purchases, not investments. The effective property tax rate of 0.64% is modest, and the recent -2.8% inflation-adjusted tax change slightly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Noble County, OH, or checking Noble County FHA loan limits, remember that MIP is permanent regardless of down payment size, making this ideal for buyers with sub-620 credit scores.

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.