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Pleasants County FHA Loan Calculator

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

Loan Details

Pleasants County, WV Benchmarks

FHA averages
Typical Property Value$186,622
Average Down Payment11.7%
Average Interest Rate6.658%
Effective Tax Rate0.62%
Median Tax Paid$819/yr
Tax Growth (Historical)+5.6%
Based on 37 regional loans totaling $5,745,000 (HMDA database).
$
%

$21,835 down · $164,787 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$96 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,394/mo

  • Principal & Interest$1,077
  • Property Tax$96
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$167,671

Total Interest

$220,229

Total of Payments

$387,900

*Includes financed FHA Upfront MIP of $2,884

Local Market Insights

Pleasants County FHA Mortgage Overview

For Pleasants County homebuyers, the 11.69% average down payment on an FHA loan provides accessible entry, but note that FHA's mandatory Mortgage Insurance Premium (MIP) applies for the loan's life, regardless of equity. The 88.31% loan-to-value ratio confirms this is standard for owner-occupied primary residences, ideal for those with sub-620 credit scores. The effective property tax rate of 0.62% is low, but the recent 5.6% inflation-adjusted increase will modestly raise monthly costs. When evaluating an FHA loan with PMI and taxes in Pleasants County, WV, remember that local loan limits and this tax shift directly impact long-term affordability.

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.