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Clark County FHA Loan Calculator

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

Loan Details

Clark County, ID Benchmarks

FHA averages
Typical Property Value$255,000
Average Down Payment15.6%
Average Interest Rate5.990%
Effective Tax Rate0.31%
Median Tax Paid$713/yr
Tax Growth (Historical)+16.8%
Based on 4 regional loans totaling $780,000 (HMDA database).
$
%

$39,780 down · $215,220 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$66 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,619/mo

  • Principal & Interest$1,312
  • Property Tax$66
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$218,986

Total Interest

$253,163

Total of Payments

$472,149

*Includes financed FHA Upfront MIP of $3,766

Local Market Insights

Clark County FHA Mortgage Overview

In Clark County, Idaho, the 15.55% average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of equity. With an 84.45% Loan-to-Value ratio and 100% primary occupancy, this data reflects standard homebuyers, not investors. The low 0.31% effective property tax rate is favorable, yet the 16.8% inflation-adjusted tax increase will notably raise monthly costs. For those exploring an FHA loan with PMI and taxes in Clark County, ID, this shift demands careful budgeting. Understanding Clark County FHA loan limits and tax implications is crucial for 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.