Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Montana>Cascade County (FHA)

Cascade County FHA Loan Calculator

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

Loan Details

Cascade County, MT Benchmarks

FHA averages
Typical Property Value$304,031
Average Down Payment8.2%
Average Interest Rate5.979%
Effective Tax Rate0.77%
Median Tax Paid$2,320/yr
Tax Growth (Historical)+0.6%
Based on 289 regional loans totaling $77,655,000 (HMDA database).
$
%

$24,931 down · $279,100 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$195 / month

$

Annual premium

$

Per month

%

$118 / month

Estimated Monthly Payment

$2,162/mo

  • Principal & Interest$1,699
  • Property Tax$195
  • Home Insurance$150
  • FHA MIP$118
Amortization · Remaining Balance

Financed Loan Amount

$283,985

Total Interest

$327,649

Total of Payments

$611,634

*Includes financed FHA Upfront MIP of $4,884

Local Market Insights

Cascade County FHA Mortgage Overview

For Cascade County homebuyers, an 8.23% down payment on an FHA loan provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life. The 91.77% loan-to-value ratio confirms this is a low-equity purchase, ideal for those with sub-620 credit. With an average property value of $304,031, the 0.77% effective tax rate is manageable, but the recent 0.6% inflation-adjusted tax increase subtly raises monthly affordability. When evaluating an FHA loan calculator with PMI and taxes in Cascade County, MT, remember that MIP cannot be canceled, making long-term tax projections critical for 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.