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Wasco County FHA Loan Calculator

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

Loan Details

Wasco County, OR Benchmarks

FHA averages
Typical Property Value$359,227
Average Down Payment9.5%
Average Interest Rate6.142%
Effective Tax Rate0.77%
Median Tax Paid$2,828/yr
Tax Growth (Historical)-1.5%
Based on 97 regional loans totaling $31,005,000 (HMDA database).
$
%

$34,127 down · $325,100 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$231 / month

$

Annual premium

$

Per month

%

$138 / month

Estimated Monthly Payment

$2,531/mo

  • Principal & Interest$2,013
  • Property Tax$231
  • Home Insurance$150
  • FHA MIP$138
Amortization · Remaining Balance

Financed Loan Amount

$330,790

Total Interest

$393,935

Total of Payments

$724,724

*Includes financed FHA Upfront MIP of $5,689

Local Market Insights

Wasco County FHA Mortgage Overview

In Wasco County, the average FHA borrower puts down 9.49%, well above the 3.5% minimum, yet the 90.51% loan-to-value ratio confirms this remains an accessible entry point. Crucially, FHA mortgage insurance is required for the life of the loan here, making this structure ideal for buyers with sub-620 credit who prioritize lower upfront cash over long-term premium removal. The effective property tax rate of 0.77%, combined with a -1.5% inflation-adjusted tax decrease, slightly improves monthly affordability for those using an FHA loan with PMI and taxes in Wasco County, OR. All data reflects 100% owner-occupied purchases, reinforcing that these are standard homebuyers, not investors.

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.