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Chouteau County FHA Loan Calculator

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

Loan Details

Chouteau County, MT Benchmarks

FHA averages
Typical Property Value$273,333
Average Down Payment9.4%
Average Interest Rate6.124%
Effective Tax Rate0.64%
Median Tax Paid$1,566/yr
Tax Growth (Historical)+5.1%
Based on 12 regional loans totaling $2,930,000 (HMDA database).
$
%

$25,693 down · $247,640 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$146 / month

$

Annual premium

$

Per month

%

$105 / month

Estimated Monthly Payment

$1,931/mo

  • Principal & Interest$1,530
  • Property Tax$146
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$251,973

Total Interest

$298,899

Total of Payments

$550,873

*Includes financed FHA Upfront MIP of $4,334

Local Market Insights

Chouteau County FHA Mortgage Overview

In Chouteau County, the typical FHA buyer puts down 9.42% on a $273,333 home, far below the 20% threshold. This low entry point is attractive, but be aware that with a 90.58% LTV, the mandatory Mortgage Insurance Premium (MIP) remains for the life of the loan—a key factor when using an FHA loan calculator with PMI and taxes in Chouteau County, MT. The effective property tax rate of 0.64% is modest, yet a recent 5.1% inflation-adjusted increase will raise true monthly affordability. Since 100% of these loans are for primary residences, this data reflects standard owner-occupant risk, not investors.

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.