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Hill County FHA Loan Calculator

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

Loan Details

Hill County, MT Benchmarks

FHA averages
Typical Property Value$243,333
Average Down Payment8.9%
Average Interest Rate6.164%
Effective Tax Rate0.90%
Median Tax Paid$1,980/yr
Tax Growth (Historical)-5.2%
Based on 36 regional loans totaling $7,840,000 (HMDA database).
$
%

$21,657 down · $221,676 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$182 / month

$

Annual premium

$

Per month

%

$94 / month

Estimated Monthly Payment

$1,802/mo

  • Principal & Interest$1,376
  • Property Tax$182
  • Home Insurance$150
  • FHA MIP$94
Amortization · Remaining Balance

Financed Loan Amount

$225,556

Total Interest

$269,664

Total of Payments

$495,219

*Includes financed FHA Upfront MIP of $3,879

Local Market Insights

Hill County FHA Mortgage Overview

Hill County’s FHA market shows accessible entry with an 8.92% down payment on a $243,333 average property. This low barrier suits buyers with sub-620 credit, but mandatory MIP applies for the loan’s life due to the 91.08% LTV ratio. The 0.90% effective property tax rate, combined with a -5.2% inflation-adjusted tax decline, reduces monthly burdens. For an FHA loan with PMI and taxes in Hill County, MT, this data confirms primary residence purchases dominate, making local FHA mortgage limits and property tax impacts key affordability factors.

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.