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Custer County FHA Loan Calculator

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

Loan Details

Custer County, MT Benchmarks

FHA averages
Typical Property Value$250,600
Average Down Payment10.6%
Average Interest Rate6.259%
Effective Tax Rate0.80%
Median Tax Paid$2,264/yr
Tax Growth (Historical)-2.0%
Based on 50 regional loans totaling $11,040,000 (HMDA database).
$
%

$26,564 down · $224,036 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,817/mo

  • Principal & Interest$1,405
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$227,957

Total Interest

$277,862

Total of Payments

$505,819

*Includes financed FHA Upfront MIP of $3,921

Local Market Insights

Custer County FHA Mortgage Overview

For homebuyers in Custer County, Montana, the typical FHA loan entry point requires a 10.57% down payment on a $250,600 property. This lower barrier is ideal for those with sub-620 credit scores, but note that mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life due to the 89.43% loan-to-value ratio. The effective 0.80% property tax rate, combined with a recent -2.0% inflation-adjusted tax shift, slightly improves monthly affordability. When evaluating a Custer County FHA loan with PMI and taxes, this tax relief helps offset the permanent MIP cost, making homeownership more sustainable for owner-occupants.

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.