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Oneida County FHA Loan Calculator

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

Loan Details

Oneida County, ID Benchmarks

FHA averages
Typical Property Value$379,516
Average Down Payment11.5%
Average Interest Rate6.168%
Effective Tax Rate0.46%
Median Tax Paid$1,207/yr
Tax Growth (Historical)0.0%
Based on 31 regional loans totaling $10,035,000 (HMDA database).
$
%

$43,644 down · $335,872 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$145 / month

$

Annual premium

$

Per month

%

$142 / month

Estimated Monthly Payment

$2,524/mo

  • Principal & Interest$2,086
  • Property Tax$145
  • Home Insurance$150
  • FHA MIP$142
Amortization · Remaining Balance

Financed Loan Amount

$341,749

Total Interest

$409,376

Total of Payments

$751,126

*Includes financed FHA Upfront MIP of $5,878

Local Market Insights

Oneida County FHA Mortgage Overview

For Oneida County homebuyers, the 11.49% average down payment on FHA loans offers accessible entry, yet the 88.51% loan-to-value (LTV) ratio means mandatory Mortgage Insurance Premiums (MIP) for the loan’s full term. This is ideal if you have a sub-620 credit score, as FHA guidelines are more lenient. The 0.46% effective property tax rate, with a 0.0% inflation-adjusted change, provides stable monthly affordability. When evaluating an FHA mortgage with property taxes in Oneida County, ID, remember that property taxes add a predictable, low-cost burden. For buyers reviewing FHA loan limits and tax impacts, this market favors long-term occupancy over equity building.

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.