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Treasure County Conventional Mortgage Calculator

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

Loan Details

Treasure County, MT Benchmarks

Conventional averages
Typical Property Value$440,000
Average Down Payment29.5%
Average Interest Rate6.750%
Effective Tax Rate0.48%
Median Tax Paid$1,364/yr
Tax Growth (Historical)-0.2%
Based on 4 regional loans totaling $1,130,000 (HMDA database).
$
%

$129,800 down · $310,200 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$176 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$2,338/mo

  • Principal & Interest$2,012
  • Property Tax$176
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$310,200

Total Interest

$414,102

Total of Payments

$724,302

Local Market Insights

Treasure County Conventional Mortgage Overview

In Treasure County, the 29.48% average down payment for a Conventional loan significantly exceeds the 20% threshold, meaning most buyers avoid Private Mortgage Insurance (PMI) entirely. This strong equity position, reflected in the 70.52% Loan-to-Value (LTV) ratio, signals robust buyer credit and lower default risk. With 100% owner-occupied purchases, this is a stable market. The effective property tax rate of 0.48% on a $440,000 property is low, and the recent -0.2% inflation-adjusted tax change slightly reduces annual carrying costs, improving true monthly affordability for those using a conventional mortgage with taxes in Treasure County, MT.

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.