Valley County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Valley County, MT Benchmarks

FHA averages

Typical Property Value$227,778

Average Down Payment9.7%

Average Interest Rate6.191%

Effective Tax Rate0.92%

Median Tax Paid$2,333/yr

Tax Growth (Historical)+3.6%

Based on 18 regional loans totaling $3,670,000 (HMDA database).

Home Price

Down Payment

$22,094 down · $205,684 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

$87 / month

Estimated Monthly Payment

$1,692/mo

Principal & Interest$1,280
Property Tax$175
Home Insurance$150
FHA MIP$87

Amortization · Remaining Balance

Financed Loan Amount

$209,283

Total Interest

$251,674

Total of Payments

$460,957

*Includes financed FHA Upfront MIP of $3,599

Local Market Insights

Valley County FHA Mortgage Overview

Valley County’s FHA market shows an average down payment of 9.66%, well above the 3.5% minimum, indicating buyers are investing more equity upfront. However, with a 90.34% LTV ratio, mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—ideal for those with sub-620 credit scores seeking an FHA loan calculator with PMI and taxes in Valley County, MT. The 0.92% property tax rate, adjusted upward by 3.6% for inflation, adds roughly $175 monthly to an average $227,778 home, impacting true affordability. This data reflects 100% owner-occupied purchases, not investments.

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.