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Harney County FHA Loan Calculator

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

Loan Details

Harney County, OR Benchmarks

FHA averages
Typical Property Value$243,500
Average Down Payment13.7%
Average Interest Rate6.195%
Effective Tax Rate0.71%
Median Tax Paid$1,943/yr
Tax Growth (Historical)+2.2%
Based on 20 regional loans totaling $3,930,000 (HMDA database).
$
%

$33,360 down · $210,141 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$144 / month

$

Annual premium

$

Per month

%

$89 / month

Estimated Monthly Payment

$1,693/mo

  • Principal & Interest$1,310
  • Property Tax$144
  • Home Insurance$150
  • FHA MIP$89
Amortization · Remaining Balance

Financed Loan Amount

$213,818

Total Interest

$257,627

Total of Payments

$471,445

*Includes financed FHA Upfront MIP of $3,677

Local Market Insights

Harney County FHA Mortgage Overview

In Harney County, the 13.66% average down payment on FHA loans provides accessible entry for buyers, but the 86.34% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with sub-620 credit. This data reflects 100% primary occupancy, not investments. The effective property tax rate of 0.71% is modest, though the recent 2.2% inflation-adjusted increase will modestly raise monthly costs. When evaluating an FHA loan with PMI and taxes in Harney County, OR, the lower down payment offsets the perpetual MIP, while the county's FHA loan limits remain favorable for this $243,500 average 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.