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Lawrence County FHA Loan Calculator

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

Loan Details

Lawrence County, PA Benchmarks

FHA averages
Typical Property Value$190,345
Average Down Payment12.8%
Average Interest Rate6.469%
Effective Tax Rate1.25%
Median Tax Paid$1,967/yr
Tax Growth (Historical)-3.8%
Based on 290 regional loans totaling $46,500,000 (HMDA database).
$
%

$24,364 down · $165,981 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$198 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,483/mo

  • Principal & Interest$1,064
  • Property Tax$198
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$168,886

Total Interest

$214,205

Total of Payments

$383,091

*Includes financed FHA Upfront MIP of $2,905

Local Market Insights

Lawrence County FHA Mortgage Overview

In Lawrence County, the 12.84% average down payment on FHA loans provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity. The 87.16% loan-to-value ratio confirms buyers are putting limited cash down, ideal for those with sub-620 credit scores. With a 1.25% effective property tax rate and a recent inflation-adjusted tax decline of -3.8%, monthly affordability improves slightly. For an FHA loan down payment in Lawrence County, PA, this data, including property taxes and loan limits, highlights stable, owner-occupied purchasing patterns.

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.