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Adams County FHA Loan Calculator

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

Loan Details

Adams County, ID Benchmarks

FHA averages
Typical Property Value$315,000
Average Down Payment13.6%
Average Interest Rate6.498%
Effective Tax Rate0.34%
Median Tax Paid$1,359/yr
Tax Growth (Historical)-2.4%
Based on 5 regional loans totaling $1,065,000 (HMDA database).
$
%

$42,840 down · $272,160 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$89 / month

$

Annual premium

$

Per month

%

$115 / month

Estimated Monthly Payment

$2,105/mo

  • Principal & Interest$1,750
  • Property Tax$89
  • Home Insurance$150
  • FHA MIP$115
Amortization · Remaining Balance

Financed Loan Amount

$276,923

Total Interest

$353,200

Total of Payments

$630,123

*Includes financed FHA Upfront MIP of $4,763

Local Market Insights

Adams County FHA Mortgage Overview

For Adams County homebuyers, the average 13.59% down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this equity level, unlike conventional loans. The 86.41% Loan-to-Value ratio and 100% owner-occupancy confirm these are primary residences. The low 0.34% property tax rate, with a recent -2.4% inflation-adjusted decrease, eases monthly carrying costs. When evaluating an FHA loan with PMI and taxes in Adams County, ID, these tax savings help offset the permanent MIP, making the FHA loan limits and tax calculator analysis favorable for buyers with sub-620 credit.

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.