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Flathead County FHA Loan Calculator

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

Loan Details

Flathead County, MT Benchmarks

FHA averages
Typical Property Value$484,636
Average Down Payment10.9%
Average Interest Rate5.974%
Effective Tax Rate0.54%
Median Tax Paid$3,120/yr
Tax Growth (Historical)+5.6%
Based on 247 regional loans totaling $102,655,000 (HMDA database).
$
%

$52,825 down · $431,811 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$218 / month

$

Annual premium

$

Per month

%

$183 / month

Estimated Monthly Payment

$3,177/mo

  • Principal & Interest$2,626
  • Property Tax$218
  • Home Insurance$150
  • FHA MIP$183
Amortization · Remaining Balance

Financed Loan Amount

$439,367

Total Interest

$505,907

Total of Payments

$945,274

*Includes financed FHA Upfront MIP of $7,557

Local Market Insights

Flathead County FHA Mortgage Overview

Flathead County’s FHA market reveals a strategic entry point for owner-occupants. The 10.88% down payment, paired with an 89.12% LTV, provides accessible financing, but FHA’s mandatory MIP is required for the loan’s life—ideal for buyers with sub-620 credit. With a 5.974% rate and 0.54% effective property tax, the recent 5.6% inflation-adjusted tax shift increases monthly affordability pressure. For accurate budgeting using an FHA loan with PMI and taxes in Flathead County, MT, these factors are critical. The $484,635 average property value highlights how Flathead County FHA loan limits and tax considerations shape true cost.

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.