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Granite County FHA Loan Calculator

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

Loan Details

Granite County, MT Benchmarks

FHA averages
Typical Property Value$479,286
Average Down Payment27.9%
Average Interest Rate5.699%
Effective Tax Rate0.42%
Median Tax Paid$2,130/yr
Tax Growth (Historical)+0.3%
Based on 7 regional loans totaling $2,165,000 (HMDA database).
$
%

$133,721 down · $345,565 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$168 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$2,505/mo

  • Principal & Interest$2,041
  • Property Tax$168
  • Home Insurance$150
  • FHA MIP$147
Amortization · Remaining Balance

Financed Loan Amount

$351,613

Total Interest

$383,061

Total of Payments

$734,674

*Includes financed FHA Upfront MIP of $6,047

Local Market Insights

Granite County FHA Mortgage Overview

For Granite County homebuyers exploring FHA options, the 27.91% down payment on a $479,286 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity. The 72.09% loan-to-value ratio confirms lower risk for lenders, yet MIP cannot be canceled—ideal if your credit profile is sub-620. The effective property tax rate of 0.42% is modest, though a 0.3% inflation-adjusted tax shift will slightly increase monthly costs. This data reflects 100% owner-occupied purchases, not investments, making Granite County FHA loan limits and tax considerations critical for accurate 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.