Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Montana>Carbon County (FHA)

Carbon County FHA Loan Calculator

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

Loan Details

Carbon County, MT Benchmarks

FHA averages
Typical Property Value$392,647
Average Down Payment15.7%
Average Interest Rate5.918%
Effective Tax Rate0.42%
Median Tax Paid$2,281/yr
Tax Growth (Historical)+6.4%
Based on 34 regional loans totaling $10,450,000 (HMDA database).
$
%

$61,646 down · $331,001 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$137 / month

$

Annual premium

$

Per month

%

$140 / month

Estimated Monthly Payment

$2,430/mo

  • Principal & Interest$2,002
  • Property Tax$137
  • Home Insurance$150
  • FHA MIP$140
Amortization · Remaining Balance

Financed Loan Amount

$336,794

Total Interest

$383,912

Total of Payments

$720,706

*Includes financed FHA Upfront MIP of $5,793

Local Market Insights

Carbon County FHA Mortgage Overview

For Carbon County homebuyers, the 15.74% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity, making this ideal for those with sub-620 credit scores. The 84.26% loan-to-value ratio confirms a moderate equity position. The 0.42% effective property tax rate is low, but the 6.4% inflation-adjusted increase will raise monthly costs. When using an FHA loan calculator with PMI and taxes in Carbon County, MT, factor in this tax shift. For an FHA loan down payment calculator in Carbon County, Montana, the weighted average down payment eases upfront burden, but long-term MIP persists.

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.