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Mifflin County FHA Loan Calculator

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

Loan Details

Mifflin County, PA Benchmarks

FHA averages
Typical Property Value$184,320
Average Down Payment14.0%
Average Interest Rate6.258%
Effective Tax Rate1.22%
Median Tax Paid$2,266/yr
Tax Growth (Historical)-1.3%
Based on 103 regional loans totaling $15,705,000 (HMDA database).
$
%

$25,805 down · $158,515 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$187 / month

$

Annual premium

$

Per month

%

$67 / month

Estimated Monthly Payment

$1,399/mo

  • Principal & Interest$994
  • Property Tax$187
  • Home Insurance$150
  • FHA MIP$67
Amortization · Remaining Balance

Financed Loan Amount

$161,289

Total Interest

$196,599

Total of Payments

$357,888

*Includes financed FHA Upfront MIP of $2,774

Local Market Insights

Mifflin County FHA Mortgage Overview

For Mifflin County homebuyers, the 13.97% average down payment on an FHA loan provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. The 86.03% Loan-to-Value ratio confirms this is a standard owner-occupied market, ideal for those with sub-620 credit scores. With an effective property tax rate of 1.22% and a recent inflation-adjusted tax decrease of -1.3%, monthly affordability is slightly improved. When using an FHA loan calculator with PMI and taxes in Mifflin County, PA, the $184,320 average property value and 6.258% rate define the baseline. Mifflin County FHA loan limits and tax calculator tools show this data reflects strong primary residence demand.

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.