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Custer County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Custer County, ID Benchmarks

FHA averages
Typical Property Value$318,000
Average Down Payment20.9%
Average Interest Rate6.011%
Effective Tax Rate0.42%
$
%

$66,462 down · $251,538 financed

Estimated Monthly Payment

$1,904/mo

  • Principal & Interest$1,536
  • Property Tax$111
  • Home Insurance$150
  • FHA MIP$107
Amortization · Remaining Balance

Financed Loan Amount

$255,940

Total Interest

$297,069

Total of Payments

$553,009

*Includes financed FHA Upfront MIP of $4,402

Local Market Insights

Custer County FHA Mortgage Overview

In Custer County, FHA buyers are leveraging a substantial 20.93% down payment on a $318,000 average property. Despite this equity, FHA requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life due to the 79.07% LTV, making it ideal for those with sub-620 credit. The 0.42% effective tax rate is low, but the recent 19.5% inflation-adjusted tax increase will raise monthly costs; homeowners must account for this when evaluating an FHA loan with PMI and taxes in Custer County, ID. All data reflects owner-occupied purchases, not investments.

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.