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Lane County FHA Loan Calculator

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

Loan Details

Lane County, OR Benchmarks

FHA averages
Typical Property Value$413,683
Average Down Payment9.5%
Average Interest Rate6.119%
Effective Tax Rate0.78%
Median Tax Paid$3,536/yr
Tax Growth (Historical)+0.4%
Based on 1,012 regional loans totaling $370,100,000 (HMDA database).
$
%

$39,300 down · $374,383 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$269 / month

$

Annual premium

$

Per month

%

$159 / month

Estimated Monthly Payment

$2,891/mo

  • Principal & Interest$2,313
  • Property Tax$269
  • Home Insurance$150
  • FHA MIP$159
Amortization · Remaining Balance

Financed Loan Amount

$380,935

Total Interest

$451,878

Total of Payments

$832,813

*Includes financed FHA Upfront MIP of $6,552

Local Market Insights

Lane County FHA Mortgage Overview

In Lane County, the 9.50% average down payment on an FHA loan provides accessible entry for owner-occupants, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of the 90.50% LTV. This data reflects standard homebuyers using an FHA loan calculator with PMI and taxes in Lane County, OR. The effective property tax rate of 0.78%, with a 0.4% inflation-adjusted increase, directly impacts monthly affordability. When evaluating an FHA mortgage calculator with property taxes, this tax shift adds to long-term costs. For buyers considering an FHA loan down payment calculator in Lane County, Oregon, note that while the 6.119% rate is favorable, the permanent MIP makes this ideal for those with sub-620 credit scores seeking primary residence financing.

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.