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Fallon County FHA Loan Calculator

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

Loan Details

Fallon County, MT Benchmarks

FHA averages
Typical Property Value$241,000
Average Down Payment16.1%
Average Interest Rate6.448%
Effective Tax Rate0.43%
Median Tax Paid$1,220/yr
Tax Growth (Historical)-12.9%
Based on 5 regional loans totaling $975,000 (HMDA database).
$
%

$38,801 down · $202,199 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$86 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,616/mo

  • Principal & Interest$1,294
  • Property Tax$86
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$205,737

Total Interest

$259,974

Total of Payments

$465,712

*Includes financed FHA Upfront MIP of $3,538

Local Market Insights

Fallon County FHA Mortgage Overview

For Fallon County homebuyers using an FHA loan, the 16.11% average down payment provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity—ideal for those with sub-620 credit. The 83.89% loan-to-value ratio confirms this is a lower-risk, owner-occupied market. With a 0.43% effective property tax rate and a -12.9% inflation-adjusted tax decline, monthly affordability improves. When assessing Fallon County FHA loan limits and tax impacts, this data helps estimate true costs without needing a separate tool.

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.