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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, OR Benchmarks

FHA averages
Typical Property Value$372,468
Average Down Payment9.0%
Average Interest Rate6.195%
Effective Tax Rate0.62%
Median Tax Paid$2,591/yr
Tax Growth (Historical)+0.3%
Based on 158 regional loans totaling $51,200,000 (HMDA database).
$
%

$33,522 down · $338,946 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$192 / month

$

Annual premium

$

Per month

%

$144 / month

Estimated Monthly Payment

$2,598/mo

  • Principal & Interest$2,112
  • Property Tax$192
  • Home Insurance$150
  • FHA MIP$144
Amortization · Remaining Balance

Financed Loan Amount

$344,877

Total Interest

$415,539

Total of Payments

$760,416

*Includes financed FHA Upfront MIP of $5,932

Local Market Insights

Jefferson County FHA Mortgage Overview

For Jefferson County homebuyers, the weighted average down payment of 8.96% on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 91.04% loan-to-value ratio—ideal for those with sub-620 credit scores. With a 100% owner-occupancy rate, this data reflects standard primary residences. The effective property tax rate of 0.62% and a 0.3% inflation-adjusted tax increase keep monthly costs modest, though an FHA loan calculator with PMI and taxes in Jefferson County, OR, is essential to assess true affordability. Understanding Jefferson County FHA loan limits and tax impacts helps buyers plan effectively.

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.