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Linn County FHA Loan Calculator

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

Linn County, OR Benchmarks

FHA averages
Typical Property Value$394,342
Average Down Payment9.3%
Average Interest Rate6.171%
Effective Tax Rate0.73%
$
%

$36,674 down · $357,668 financed

Estimated Monthly Payment

$2,763/mo

  • Principal & Interest$2,222
  • Property Tax$240
  • Home Insurance$150
  • FHA MIP$152
Amortization · Remaining Balance

Financed Loan Amount

$363,927

Total Interest

$435,943

Total of Payments

$799,871

*Includes financed FHA Upfront MIP of $6,259

Local Market Insights

Linn County FHA Mortgage Overview

For Linn County homebuyers utilizing an FHA loan, the 9.34% down payment on a $394,342 average property provides accessible entry. However, the 90.66% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, a critical factor for buyers with sub-620 credit scores. The effective property tax rate of 0.73% with a 1.1% inflation-adjusted increase adds modest monthly cost. This data reflects 100% owner-occupied purchases, not investments, highlighting a stable local market for primary residences.

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.