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Teton County FHA Loan Calculator

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

Loan Details

Teton County, ID Benchmarks

FHA averages
Typical Property Value$703,462
Average Down Payment16.3%
Average Interest Rate5.773%
Effective Tax Rate0.35%
Median Tax Paid$2,143/yr
Tax Growth (Historical)+0.7%
Based on 13 regional loans totaling $7,125,000 (HMDA database).
$
%

$114,664 down · $588,798 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$205 / month

$

Annual premium

$

Per month

%

$250 / month

Estimated Monthly Payment

$4,109/mo

  • Principal & Interest$3,504
  • Property Tax$205
  • Home Insurance$150
  • FHA MIP$250
Amortization · Remaining Balance

Financed Loan Amount

$599,102

Total Interest

$662,270

Total of Payments

$1,261,372

*Includes financed FHA Upfront MIP of $10,304

Local Market Insights

Teton County FHA Mortgage Overview

In Teton County, the weighted average down payment of 16.27% on an FHA loan provides accessible entry for primary residence buyers, but requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of equity buildup. With a median loan-to-value ratio of 83.73%, this FHA down payment structure is ideal for buyers with sub-620 credit scores. The effective property tax rate of 0.35% is low, though the 0.7% inflation-adjusted tax shift modestly increases monthly affordability burdens. When evaluating a Teton County FHA mortgage with property taxes, remember MIP and tax changes impact true monthly costs, especially against the $703,461.54 average property value.

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.