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Ross County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Ross 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

Ross County, OH Benchmarks

FHA averages
Typical Property Value$237,117
Average Down Payment10.8%
Average Interest Rate6.632%
Effective Tax Rate0.97%
$
%

$25,609 down · $211,508 financed

Estimated Monthly Payment

$1,810/mo

  • Principal & Interest$1,379
  • Property Tax$192
  • Home Insurance$150
  • FHA MIP$90
Amortization · Remaining Balance

Financed Loan Amount

$215,210

Total Interest

$281,131

Total of Payments

$496,340

*Includes financed FHA Upfront MIP of $3,701

Local Market Insights

Ross County FHA Mortgage Overview

For Ross County homebuyers, the 10.79% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life—critical for those with sub-620 credit. The 89.21% loan-to-value ratio confirms this is a low-equity, owner-occupied market. With an effective property tax rate of 0.97% and a 5.1% inflation-adjusted increase, true monthly affordability is squeezed. When using a Ross County FHA loan analysis with PMI and taxes, factor in this rising tax burden against the average $237,117 property value.

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.