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Gallatin County FHA Loan Calculator

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

Loan Details

Gallatin County, MT Benchmarks

FHA averages
Typical Property Value$573,077
Average Down Payment11.1%
Average Interest Rate5.989%
Effective Tax Rate0.55%
Median Tax Paid$3,933/yr
Tax Growth (Historical)+5.2%
Based on 157 regional loans totaling $77,315,000 (HMDA database).
$
%

$63,612 down · $509,465 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$263 / month

$

Annual premium

$

Per month

%

$216 / month

Estimated Monthly Payment

$3,733/mo

  • Principal & Interest$3,105
  • Property Tax$263
  • Home Insurance$150
  • FHA MIP$216
Amortization · Remaining Balance

Financed Loan Amount

$518,381

Total Interest

$599,284

Total of Payments

$1,117,665

*Includes financed FHA Upfront MIP of $8,916

Local Market Insights

Gallatin County FHA Mortgage Overview

For Gallatin County homebuyers, an 11.08% down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. With a high 88.92% Loan-to-Value ratio, this data reflects standard owner-occupied purchases, not investments. The 0.55% effective property tax rate, combined with a 5.2% inflation-adjusted tax increase, significantly impacts monthly affordability. When evaluating a Gallatin County FHA loan with PMI and taxes, or considering Gallatin County FHA loan limits, this tax shift adds a notable cost layer for long-term budgeting.

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.