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Coos County FHA Loan Calculator

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

Loan Details

Coos County, OR Benchmarks

FHA averages
Typical Property Value$337,658
Average Down Payment10.3%
Average Interest Rate6.310%
Effective Tax Rate0.67%
Median Tax Paid$2,284/yr
Tax Growth (Historical)-1.2%
Based on 223 regional loans totaling $65,335,000 (HMDA database).
$
%

$34,779 down · $302,879 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$189 / month

$

Annual premium

$

Per month

%

$128 / month

Estimated Monthly Payment

$2,376/mo

  • Principal & Interest$1,910
  • Property Tax$189
  • Home Insurance$150
  • FHA MIP$128
Amortization · Remaining Balance

Financed Loan Amount

$308,180

Total Interest

$379,261

Total of Payments

$687,441

*Includes financed FHA Upfront MIP of $5,300

Local Market Insights

Coos County FHA Mortgage Overview

In Coos County, the typical FHA buyer secures a home valued at $337,658 with a 10.35% down payment and an 89.65% loan-to-value ratio. This low entry point provides accessible financing for owner-occupants, but the FHA loan requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, which is ideal for buyers with sub-620 credit. The effective property tax rate of 0.67% is manageable, and the recent -1.2% inflation-adjusted tax shift slightly reduces monthly carrying costs. When assessing an FHA loan with PMI and taxes in Coos County, OR, these factors keep true affordability stable for primary residence buyers.

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.