Idaho County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

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

Idaho County, ID Benchmarks

FHA averages

Typical Property Value$304,756

Average Down Payment15.7%

Average Interest Rate6.244%

Effective Tax Rate0.32%

Home Price

Down Payment

$47,847 down · $256,909 financed

Estimated Monthly Payment

$1,948/mo

Principal & Interest$1,608
Property Tax$81
Home Insurance$150
FHA MIP$109

Amortization · Remaining Balance

Financed Loan Amount

$261,405

Total Interest

$317,409

Total of Payments

$578,814

*Includes financed FHA Upfront MIP of $4,496

Local Market Insights

Idaho County FHA Mortgage Overview

In Idaho County, FHA buyers leverage a 15.66% down payment on a $304,756 average property, a strong entry point that requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 84.34% LTV and 100% owner-occupancy rate confirm this is a primary residence market. Property taxes are exceptionally low at 0.32%, with a -0.9% inflation-adjusted decline, boosting monthly affordability. For an FHA loan with PMI and taxes in Idaho County, ID, this low tax burden offsets the permanent MIP cost, making the FHA mortgage with property taxes notably manageable here.

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.