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Roosevelt County FHA Loan Calculator

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

Loan Details

Roosevelt County, MT Benchmarks

FHA averages
Typical Property Value$215,667
Average Down Payment15.4%
Average Interest Rate6.320%
Effective Tax Rate0.67%
Median Tax Paid$1,522/yr
Tax Growth (Historical)-3.8%
Based on 15 regional loans totaling $2,845,000 (HMDA database).
$
%

$33,213 down · $182,454 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$120 / month

$

Annual premium

$

Per month

%

$77 / month

Estimated Monthly Payment

$1,499/mo

  • Principal & Interest$1,152
  • Property Tax$120
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$185,647

Total Interest

$228,903

Total of Payments

$414,550

*Includes financed FHA Upfront MIP of $3,193

Local Market Insights

Roosevelt County FHA Mortgage Overview

For Roosevelt County homebuyers, an FHA loan with a 15.37% down payment on a $215,667 property provides accessible entry, but be aware that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. The 84.63% loan-to-value ratio confirms this, making it ideal for those with sub-620 credit. The effective property tax rate of 0.67% is modest, and the recent -3.8% inflation-adjusted tax change slightly lowers monthly costs. When evaluating an FHA loan with PMI and taxes in Roosevelt County, MT, remember that the low down payment and stable tax environment improve true monthly affordability for primary residences.

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.