Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Montana>Lewis and Clark County (FHA)

Lewis and Clark County FHA Loan Calculator

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

Loan Details

Lewis and Clark County, MT Benchmarks

FHA averages
Typical Property Value$420,084
Average Down Payment10.4%
Average Interest Rate6.097%
Effective Tax Rate0.73%
Median Tax Paid$3,113/yr
Tax Growth (Historical)+4.6%
Based on 180 regional loans totaling $65,590,000 (HMDA database).
$
%

$43,689 down · $376,395 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$256 / month

$

Annual premium

$

Per month

%

$160 / month

Estimated Monthly Payment

$2,886/mo

  • Principal & Interest$2,321
  • Property Tax$256
  • Home Insurance$150
  • FHA MIP$160
Amortization · Remaining Balance

Financed Loan Amount

$382,982

Total Interest

$452,525

Total of Payments

$835,507

*Includes financed FHA Upfront MIP of $6,587

Local Market Insights

Lewis and Clark County FHA Mortgage Overview

For Lewis and Clark County homebuyers using an FHA loan, the 10.38% down payment on a $420,084 property provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 89.62% Loan-to-Value ratio. This structure suits buyers with sub-620 credit scores. The 0.73% property tax rate, with a 4.6% inflation-adjusted increase, adds roughly $30 monthly to affordability calculations. When evaluating FHA loan down payments with PMI and taxes in Lewis and Clark County, MT, remember that MIP never drops, unlike conventional loans. All data reflects 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.