Liberty County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Liberty County, MT Benchmarks

FHA averages

Typical Property Value$171,000

Average Down Payment-0.3%

Average Interest Rate5.906%

Effective Tax Rate1.26%

Median Tax Paid$1,570/yr

Tax Growth (Historical)+26.5%

Based on 5 regional loans totaling $755,000 (HMDA database).

Home Price

Down Payment

-$513 down · $171,513 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$180 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$80 / month

Estimated Monthly Payment

$1,446/mo

Principal & Interest$1,036
Property Tax$180
Home Insurance$150
FHA MIP$80

Amortization · Remaining Balance

Financed Loan Amount

$174,514

Total Interest

$198,527

Total of Payments

$373,041

*Includes financed FHA Upfront MIP of $3,001

Local Market Insights

Liberty County FHA Mortgage Overview

In Liberty County, the weighted average down payment of -0.32% for an FHA loan effectively means no down payment is needed, offering accessible entry. However, with a 100.32% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, making this ideal for buyers with sub-620 credit seeking an FHA loan with PMI and taxes. The 1.26% effective property tax rate, combined with a 26.5% inflation-adjusted tax increase, significantly impacts monthly affordability. For those evaluating FHA loan limits and tax scenarios, this data reflects 100% primary occupancy, confirming standard homebuyer risk rather than investment property profiles.

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.