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Boundary County FHA Loan Calculator

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

Loan Details

Boundary County, ID Benchmarks

FHA averages
Typical Property Value$412,241
Average Down Payment16.7%
Average Interest Rate6.288%
Effective Tax Rate0.33%
Median Tax Paid$1,595/yr
Tax Growth (Historical)+8.0%
Based on 29 regional loans totaling $9,185,000 (HMDA database).
$
%

$68,844 down · $343,397 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$113 / month

$

Annual premium

$

Per month

%

$146 / month

Estimated Monthly Payment

$2,569/mo

  • Principal & Interest$2,160
  • Property Tax$113
  • Home Insurance$150
  • FHA MIP$146
Amortization · Remaining Balance

Financed Loan Amount

$349,406

Total Interest

$428,357

Total of Payments

$777,763

*Includes financed FHA Upfront MIP of $6,009

Local Market Insights

Boundary County FHA Mortgage Overview

In Boundary County, the average 16.72% down payment on an FHA loan provides accessible entry for owner-occupants, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity built. The 83.28% loan-to-value ratio confirms this is standard primary residence financing, not investment buying. With a 0.33% effective property tax rate and an 8.0% inflation-adjusted tax increase, monthly affordability tightens. For those using an FHA loan with PMI and taxes in Boundary County, ID, the low tax rate partially offsets the permanent MIP cost, making the market favorable for buyers with sub-620 credit scores seeking stable long-term housing.

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.