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Yellowstone County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Yellowstone 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

Yellowstone County, MT Benchmarks

FHA averages
Typical Property Value$362,403
Average Down Payment8.6%
Average Interest Rate6.001%
Effective Tax Rate0.74%
$
%

$31,167 down · $331,236 financed

Estimated Monthly Payment

$2,535/mo

  • Principal & Interest$2,021
  • Property Tax$223
  • Home Insurance$150
  • FHA MIP$140
Amortization · Remaining Balance

Financed Loan Amount

$337,033

Total Interest

$390,413

Total of Payments

$727,446

*Includes financed FHA Upfront MIP of $5,797

Local Market Insights

Yellowstone County FHA Mortgage Overview

For Yellowstone County homebuyers, the 8.62% average down payment on this FHA loan reflects accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With a high 91.38% loan-to-value ratio and 100% owner-occupancy, this profile suits those with sub-620 credit. The 0.74% effective property tax rate, plus a 2.9% inflation-adjusted increase, adds $267 annually to the $362,403 average property. When evaluating an FHA loan with PMI and taxes in Yellowstone County, MT, or assessing FHA loan limits, factor this MIP permanence and tax shift into true monthly affordability.

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.