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Powder River County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Powder River County, MT Benchmarks

FHA averages
Typical Property Value$125,000
Average Down Payment1.8%
Average Interest Rate%
Effective Tax Rate0.32%
$
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$1,051/mo

  • Principal & Interest$810
  • Property Tax$33
  • Home Insurance$150
  • FHA MIP$57
Amortization · Remaining Balance

Financed Loan Amount

$124,898

Total Interest

$166,733

Total of Payments

$291,631

*Includes financed FHA Upfront MIP of $2,148

Local Market Insights

Powder River County FHA Mortgage Overview

In Powder River County, the FHA market is defined by a 1.81% down payment and a 98.19% loan-to-value (LTV) ratio, offering exceptional entry for owner-occupants. While this low barrier is ideal for buyers with sub-620 credit, it mandates Mortgage Insurance Premiums (MIP) for the loan’s life, increasing long-term costs. The 0.32% property tax rate is low, but the 2.3% inflation-adjusted tax shift will slightly raise monthly affordability. For a precise FHA loan breakdown with PMI and taxes in Powder River County, MT, the low down payment and tax impacts must be weighed against permanent MIP.

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.