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Camas County FHA Loan Calculator

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

Loan Details

Camas County, ID Benchmarks

FHA averages
Typical Property Value$362,692
Average Down Payment13.9%
Average Interest Rate6.359%
Effective Tax Rate0.35%
Median Tax Paid$1,132/yr
Tax Growth (Historical)+4.6%
Based on 13 regional loans totaling $3,925,000 (HMDA database).
$
%

$50,414 down · $312,278 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$106 / month

$

Annual premium

$

Per month

%

$132 / month

Estimated Monthly Payment

$2,367/mo

  • Principal & Interest$1,979
  • Property Tax$106
  • Home Insurance$150
  • FHA MIP$132
Amortization · Remaining Balance

Financed Loan Amount

$317,743

Total Interest

$394,764

Total of Payments

$712,506

*Includes financed FHA Upfront MIP of $5,465

Local Market Insights

Camas County FHA Mortgage Overview

For Camas County homebuyers utilizing an FHA loan, the average 13.90% down payment on a $362,692 property provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity due to the 86.10% LTV. This structure suits buyers with sub-620 credit scores. The 0.35% effective property tax rate is low, but the 4.6% inflation-adjusted tax increase will modestly elevate monthly obligations. When evaluating Camas County FHA loan limits and tax impacts, the low tax rate helps offset MIP costs, making monthly affordability manageable for primary residence buyers.

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.