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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, MT Benchmarks

FHA averages
Typical Property Value$391,977
Average Down Payment14.3%
Average Interest Rate6.251%
Effective Tax Rate0.51%
Median Tax Paid$2,446/yr
Tax Growth (Historical)+4.3%
Based on 43 regional loans totaling $13,415,000 (HMDA database).
$
%

$56,053 down · $335,924 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$142 / month

Estimated Monthly Payment

$2,564/mo

  • Principal & Interest$2,105
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$142
Amortization · Remaining Balance

Financed Loan Amount

$341,803

Total Interest

$415,831

Total of Payments

$757,634

*Includes financed FHA Upfront MIP of $5,879

Local Market Insights

Jefferson County FHA Mortgage Overview

For Jefferson County homebuyers, the 14.33% average down payment on an FHA loan provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this equity. The 85.67% loan-to-value ratio confirms this permanent MIP cost, making it ideal for those with sub-620 credit. The 0.51% effective property tax rate is low, but the 4.3% inflation-adjusted tax increase adds to true monthly affordability. When evaluating an FHA loan with PMI and taxes in Jefferson County, MT, or using an FHA down payment analysis in Jefferson County, Montana, remember these ongoing costs. This data reflects 100% primary residences, not investments.

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.