Payette County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Payette County, ID Benchmarks

FHA averages

Typical Property Value$357,011

Average Down Payment9.3%

Average Interest Rate6.053%

Effective Tax Rate0.45%

Median Tax Paid$1,357/yr

Tax Growth (Historical)-2.7%

Based on 179 regional loans totaling $56,185,000 (HMDA database).

Home Price

Down Payment

$33,202 down · $323,809 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

$134 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$137 / month

Estimated Monthly Payment

$2,407/mo

Principal & Interest$1,986
Property Tax$134
Home Insurance$150
FHA MIP$137

Amortization · Remaining Balance

Financed Loan Amount

$329,476

Total Interest

$385,476

Total of Payments

$714,952

*Includes financed FHA Upfront MIP of $5,667

Local Market Insights

Payette County FHA Mortgage Overview

In Payette County, the typical FHA buyer puts down 9.26% on a $357,011 home, reflecting accessible entry for owner-occupants. However, with a 90.74% LTV, mandatory MIP applies for the loan’s life—a key factor when using an FHA loan calculator with PMI and taxes in Payette County, ID. The 0.45% effective tax rate is low, and the recent -2.7% inflation-adjusted tax shift further eases monthly costs. For those exploring a Payette County FHA mortgage calculator with property taxes, this tax relief improves true affordability. Always verify current Payette County FHA loan limits when assessing your budget.

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.