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Pickaway County FHA Loan Calculator

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

Loan Details

Pickaway County, OH Benchmarks

FHA averages
Typical Property Value$352,821
Average Down Payment9.8%
Average Interest Rate5.917%
Effective Tax Rate0.92%
Median Tax Paid$2,566/yr
Tax Growth (Historical)+2.1%
Based on 491 regional loans totaling $154,405,000 (HMDA database).
$
%

$34,576 down · $318,245 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$270 / month

$

Annual premium

$

Per month

%

$135 / month

Estimated Monthly Payment

$2,480/mo

  • Principal & Interest$1,925
  • Property Tax$270
  • Home Insurance$150
  • FHA MIP$135
Amortization · Remaining Balance

Financed Loan Amount

$323,814

Total Interest

$369,116

Total of Payments

$692,929

*Includes financed FHA Upfront MIP of $5,569

Local Market Insights

Pickaway County FHA Mortgage Overview

Pickaway County’s FHA market reveals accessible entry for owner-occupants. The 9.85% down payment and 90.15% LTV ratio align with FHA’s low-barrier profile, but mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life—critical for buyers with sub-620 credit. The 5.917% rate and 0.92% effective property tax, adjusted upward by 2.1% for inflation, meaningfully impact true monthly affordability when using an FHA loan with PMI and taxes in Pickaway County, OH. For a property valued at $352,820, this tax shift adds roughly $60 monthly, a key factor in any Pickaway County FHA loan limits and tax analysis.

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.