Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Idaho>Washington County (FHA)

Washington County FHA Loan Calculator

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

Loan Details

Washington County, ID Benchmarks

FHA averages
Typical Property Value$333,772
Average Down Payment6.9%
Average Interest Rate6.124%
Effective Tax Rate0.47%
Median Tax Paid$1,371/yr
Tax Growth (Historical)+1.1%
Based on 57 regional loans totaling $16,825,000 (HMDA database).
$
%

$23,030 down · $310,742 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$131 / month

$

Annual premium

$

Per month

%

$132 / month

Estimated Monthly Payment

$2,333/mo

  • Principal & Interest$1,920
  • Property Tax$131
  • Home Insurance$150
  • FHA MIP$132
Amortization · Remaining Balance

Financed Loan Amount

$316,180

Total Interest

$375,063

Total of Payments

$691,243

*Includes financed FHA Upfront MIP of $5,438

Local Market Insights

Washington County FHA Mortgage Overview

Washington County's FHA market is defined by accessible entry, with a 6.92% down payment on a $333,772 average property value. This low equity position, reflected in a 93.08% LTV ratio, mandates Mortgage Insurance Premiums (MIP) for the loan's life, a key factor for those using a Washington County FHA mortgage calculator with property taxes. The effective 0.47% tax rate, with a modest 1.1% inflation-adjusted increase, keeps monthly obligations manageable for primary residences. Buyers exploring FHA loan down payment options in Washington County, Idaho, should note this data confirms the program's suitability for owner-occupants prioritizing low upfront cash over long-term MIP costs.

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.