Stillwater County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Stillwater County, MT Benchmarks

FHA averages

Typical Property Value$382,297

Average Down Payment10.3%

Average Interest Rate6.201%

Effective Tax Rate0.55%

Median Tax Paid$2,319/yr

Tax Growth (Historical)+5.6%

Based on 37 regional loans totaling $12,505,000 (HMDA database).

Home Price

Down Payment

$39,377 down · $342,920 financed

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

$175 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$145 / month

Estimated Monthly Payment

$2,608/mo

Principal & Interest$2,137
Property Tax$175
Home Insurance$150
FHA MIP$145

Amortization · Remaining Balance

Financed Loan Amount

$348,922

Total Interest

$420,411

Total of Payments

$769,333

*Includes financed FHA Upfront MIP of $6,001

Local Market Insights

Stillwater County FHA Mortgage Overview

For Stillwater County homebuyers utilizing an FHA loan, the 10.30% down payment and 89.70% loan-to-value ratio provide accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with a sub-620 credit score. The average property value of $382,297.30 and 6.201% interest rate mean the 0.55% effective property tax rate, with a 5.6% inflation-adjusted increase, directly raises monthly affordability. This FHA loan with PMI and taxes in Stillwater County, MT, requires buyers to account for ongoing MIP when assessing their Stillwater County FHA mortgage with property taxes. The 100% primary occupancy rate confirms this data reflects standard homebuyers, not investors.

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.