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Montour County FHA Loan Calculator

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

Loan Details

Montour County, PA Benchmarks

FHA averages
Typical Property Value$260,128
Average Down Payment11.7%
Average Interest Rate6.360%
Effective Tax Rate0.92%
Median Tax Paid$2,507/yr
Tax Growth (Historical)-1.7%
Based on 39 regional loans totaling $8,615,000 (HMDA database).
$
%

$30,435 down · $229,693 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$199 / month

$

Annual premium

$

Per month

%

$97 / month

Estimated Monthly Payment

$1,903/mo

  • Principal & Interest$1,456
  • Property Tax$199
  • Home Insurance$150
  • FHA MIP$97
Amortization · Remaining Balance

Financed Loan Amount

$233,713

Total Interest

$290,365

Total of Payments

$524,077

*Includes financed FHA Upfront MIP of $4,020

Local Market Insights

Montour County FHA Mortgage Overview

In Montour County, the typical FHA buyer puts down 11.67%, which is below the 20% threshold, meaning mandatory MIP applies for the life of the loan. With an 88.33% LTV, this structure is ideal for buyers with sub-620 credit seeking accessible entry. The effective property tax rate of 0.92% is moderate, and the recent -1.7% inflation-adjusted tax change provides slight monthly relief. For accurate monthly costs including FHA MIP and property taxes in Montour County, PA, reviewing an FHA loan down payment scenario with these local tax limits is essential. All data reflects primary residence purchases, not investments.

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.