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Benton County FHA Loan Calculator

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

Benton County, OR Benchmarks

FHA averages
Typical Property Value$461,170
Average Down Payment10.6%
Average Interest Rate6.190%
Effective Tax Rate0.93%
$
%

$48,884 down · $412,286 financed

Estimated Monthly Payment

$3,249/mo

  • Principal & Interest$2,567
  • Property Tax$357
  • Home Insurance$150
  • FHA MIP$175
Amortization · Remaining Balance

Financed Loan Amount

$419,501

Total Interest

$504,472

Total of Payments

$923,973

*Includes financed FHA Upfront MIP of $7,215

Local Market Insights

Benton County FHA Mortgage Overview

With a 10.55% down payment and an 89.45% loan-to-value ratio, Benton County FHA buyers gain accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life—ideal for those with lower credit scores. The 0.93% effective property tax rate, adjusted upward by 0.5% for inflation, adds ~$357 annually to monthly costs. For accurate monthly budgeting, consider an FHA loan calculator with PMI and taxes in Benton County, OR, or review Benton County FHA loan limits and tax impacts. All data reflects owner-occupied purchases.

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.