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Dawson County FHA Loan Calculator

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

Loan Details

Dawson County, MT Benchmarks

FHA averages
Typical Property Value$215,000
Average Down Payment15.6%
Average Interest Rate6.340%
Effective Tax Rate1.00%
Median Tax Paid$2,110/yr
Tax Growth (Historical)-6.9%
Based on 24 regional loans totaling $4,150,000 (HMDA database).
$
%

$33,540 down · $181,460 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$179 / month

$

Annual premium

$

Per month

%

$77 / month

Estimated Monthly Payment

$1,554/mo

  • Principal & Interest$1,148
  • Property Tax$179
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$184,636

Total Interest

$228,523

Total of Payments

$413,158

*Includes financed FHA Upfront MIP of $3,176

Local Market Insights

Dawson County FHA Mortgage Overview

In Dawson County, the typical FHA buyer uses a 15.63% down payment on a $215,000 home, which is well above the 3.5% minimum. This strong equity position lowers the loan-to-value ratio to 84.37%, but FHA’s mandatory Mortgage Insurance Premium (MIP) remains for the loan’s life—ideal for buyers with sub-620 credit who prioritize access over cost. The 1.00% effective property tax rate is modest, and the recent -6.9% inflation-adjusted tax decline further reduces monthly carrying costs. For those exploring FHA loan limits and property taxes in Dawson County, MT, this combination of lower taxes and a substantial down payment improves true monthly affordability for owner-occupied homes.

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.