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Silver Bow County FHA Loan Calculator

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

Loan Details

Silver Bow County, MT Benchmarks

FHA averages
Typical Property Value$325,847
Average Down Payment13.0%
Average Interest Rate6.064%
Effective Tax Rate0.84%
Median Tax Paid$2,500/yr
Tax Growth (Historical)+2.9%
Based on 178 regional loans totaling $49,010,000 (HMDA database).
$
%

$42,360 down · $283,487 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$228 / month

$

Annual premium

$

Per month

%

$120 / month

Estimated Monthly Payment

$2,239/mo

  • Principal & Interest$1,741
  • Property Tax$228
  • Home Insurance$150
  • FHA MIP$120
Amortization · Remaining Balance

Financed Loan Amount

$288,448

Total Interest

$338,144

Total of Payments

$626,592

*Includes financed FHA Upfront MIP of $4,961

Local Market Insights

Silver Bow County FHA Mortgage Overview

In Silver Bow County, the 13.03% down payment on an FHA loan provides accessible entry for owner-occupants, but the mandatory Mortgage Insurance Premium (MIP) is required for the life of the loan, regardless of the 86.97% LTV ratio. This makes FHA financing ideal for buyers with sub-620 credit scores. The effective 0.84% property tax rate, coupled with a 2.9% inflation-adjusted increase, directly impacts monthly affordability. When evaluating a Silver Bow County FHA loan with PMI and taxes, this tax shift adds a real cost. For precise budgeting, consider the FHA loan limits and tax details when using a Silver Bow County FHA mortgage tool with property taxes.

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.