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McCone County FHA Loan Calculator

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

Loan Details

McCone County, MT Benchmarks

FHA averages
Typical Property Value$201,667
Average Down Payment6.1%
Average Interest Rate6.370%
Effective Tax Rate0.74%
Median Tax Paid$1,429/yr
Tax Growth (Historical)+4.2%
Based on 3 regional loans totaling $545,000 (HMDA database).
$
%

$12,302 down · $189,365 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$124 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,556/mo

  • Principal & Interest$1,201
  • Property Tax$124
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$192,679

Total Interest

$239,838

Total of Payments

$432,518

*Includes financed FHA Upfront MIP of $3,314

Local Market Insights

McCone County FHA Mortgage Overview

For McCone County homebuyers, the 6.07% weighted average down payment on an FHA loan offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. With a 93.93% Loan-to-Value ratio and 100% primary occupancy, this data reflects standard owner-occupied purchases, ideal for those with sub-620 credit. The 0.74% effective property tax rate, adjusted upward by 4.2% for inflation, directly impacts monthly affordability. To fully understand FHA loan down payment scenarios with PMI and taxes in McCone County, MT, or to review McCone County FHA loan limits and tax impacts, consult local lenders.

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.