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Stark County FHA Loan Calculator

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

Loan Details

Stark County, OH Benchmarks

FHA averages
Typical Property Value$226,846
Average Down Payment10.7%
Average Interest Rate6.485%
Effective Tax Rate1.24%
Median Tax Paid$2,402/yr
Tax Growth (Historical)-0.5%
Based on 1,676 regional loans totaling $329,560,000 (HMDA database).
$
%

$24,273 down · $202,573 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$234 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,772/mo

  • Principal & Interest$1,301
  • Property Tax$234
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$206,119

Total Interest

$262,405

Total of Payments

$468,523

*Includes financed FHA Upfront MIP of $3,545

Local Market Insights

Stark County FHA Mortgage Overview

For Stark County homebuyers, the 10.65% average down payment on an FHA loan provides accessible entry, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. With an 89.35% loan-to-value ratio, this data reflects 100% owner-occupied purchases, not investors. The 1.24% effective property tax rate, combined with a -0.5% inflation-adjusted tax change, slightly eases monthly affordability. When evaluating an FHA loan calculator with PMI and taxes in Stark County, OH, or exploring Stark County FHA loan limits and tax implications, note the 6.485% average rate and $226,845.88 property value anchor your true costs.

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.