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Adair County FHA Loan Calculator

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

Loan Details

Adair County, OK Benchmarks

FHA averages
Typical Property Value$220,238
Average Down Payment13.8%
Average Interest Rate6.480%
Effective Tax Rate0.51%
Median Tax Paid$569/yr
Tax Growth (Historical)+4.1%
Based on 42 regional loans totaling $7,670,000 (HMDA database).
$
%

$30,393 down · $189,845 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$94 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,542/mo

  • Principal & Interest$1,218
  • Property Tax$94
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$193,167

Total Interest

$245,460

Total of Payments

$438,628

*Includes financed FHA Upfront MIP of $3,322

Local Market Insights

Adair County FHA Mortgage Overview

For Adair County homebuyers using an FHA loan, the 13.85% down payment provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 86.15% loan-to-value ratio. This data reflects 100% primary residences. The effective property tax rate of 0.51% is low, but the 4.1% inflation-adjusted tax increase will modestly raise monthly costs. When evaluating an FHA loan down payment scenario or FHA loan limits with property taxes, note that MIP is permanent even with this down payment, making it ideal for buyers with sub-620 credit seeking stability.

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.