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Marshall County FHA Loan Calculator

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

Loan Details

Marshall County, WV Benchmarks

FHA averages
Typical Property Value$166,429
Average Down Payment8.9%
Average Interest Rate6.483%
Effective Tax Rate0.50%
Median Tax Paid$680/yr
Tax Growth (Historical)+3.6%
Based on 77 regional loans totaling $11,375,000 (HMDA database).
$
%

$14,812 down · $151,617 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$69 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,257/mo

  • Principal & Interest$973
  • Property Tax$69
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$154,270

Total Interest

$196,033

Total of Payments

$350,303

*Includes financed FHA Upfront MIP of $2,653

Local Market Insights

Marshall County FHA Mortgage Overview

For Marshall County homebuyers using an FHA loan, the 8.86% average down payment on a $166,429 property provides accessible entry, but this low equity triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of the 91.14% LTV ratio. This structure is ideal for buyers with sub-620 credit scores. The 0.50% effective property tax rate, combined with a 3.6% inflation-adjusted tax shift, adds modest monthly costs. When evaluating an FHA loan with PMI and taxes in Marshall County, WV, or using an FHA loan down payment in Marshall County, West Virginia, remember MIP is permanent. For a Marshall County FHA mortgage with property taxes, the true affordability hinges on this ongoing premium, not just the low down payment. All 100% of buyers here are purchasing primary residences, 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.