Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Oregon>Tillamook County (FHA)

Tillamook County FHA Loan Calculator

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

Loan Details

Tillamook County, OR Benchmarks

FHA averages
Typical Property Value$392,416
Average Down Payment12.7%
Average Interest Rate6.369%
Effective Tax Rate0.62%
Median Tax Paid$2,582/yr
Tax Growth (Historical)+2.3%
Based on 90 regional loans totaling $29,710,000 (HMDA database).
$
%

$49,837 down · $342,579 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$203 / month

$

Annual premium

$

Per month

%

$145 / month

Estimated Monthly Payment

$2,671/mo

  • Principal & Interest$2,174
  • Property Tax$203
  • Home Insurance$150
  • FHA MIP$145
Amortization · Remaining Balance

Financed Loan Amount

$348,574

Total Interest

$433,889

Total of Payments

$782,464

*Includes financed FHA Upfront MIP of $5,995

Local Market Insights

Tillamook County FHA Mortgage Overview

For Tillamook County homebuyers using FHA financing, the 12.73% average down payment on a $392,415 property provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of this down payment. The 87.27% loan-to-value ratio confirms this is a standard owner-occupied market. With a low 0.62% effective property tax rate and a 2.3% inflation-adjusted increase, monthly affordability remains stable, though FHA MIP adds a permanent cost. When evaluating an FHA loan with PMI and taxes in Tillamook County, OR, the weighted down payment and tax shift directly impact your true monthly outlay.

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.