Fremont County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Fremont County, ID Benchmarks

FHA averages

Typical Property Value$330,897

Average Down Payment7.3%

Average Interest Rate6.060%

Effective Tax Rate0.39%

Median Tax Paid$1,398/yr

Tax Growth (Historical)-0.3%

Based on 39 regional loans totaling $11,875,000 (HMDA database).

Home Price

Down Payment

$24,155 down · $306,742 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$108 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$130 / month

Estimated Monthly Payment

$2,271/mo

Principal & Interest$1,883
Property Tax$108
Home Insurance$150
FHA MIP$130

Amortization · Remaining Balance

Financed Loan Amount

$312,109

Total Interest

$365,882

Total of Payments

$677,992

*Includes financed FHA Upfront MIP of $5,368

Local Market Insights

Fremont County FHA Mortgage Overview

In Fremont County, the typical FHA buyer puts down 7.28% on a $330,897 home, creating a high 92.72% loan-to-value ratio. This low down payment provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life, making it ideal for those with sub-620 credit. The effective property tax rate is a low 0.39%, and the recent -0.3% inflation-adjusted tax shift slightly improves monthly affordability. For accurate budgeting with FHA loan limits and PMI in Fremont County, ID, this data confirms owner-occupied purchases dominate the market.

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.