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McIntosh County FHA Loan Calculator

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

Loan Details

McIntosh County, ND Benchmarks

FHA averages
Typical Property Value$111,667
Average Down Payment15.4%
Average Interest Rate6.250%
Effective Tax Rate0.87%
Median Tax Paid$913/yr
Tax Growth (Historical)+2.2%
Based on 6 regional loans totaling $540,000 (HMDA database).
$
%

$17,197 down · $94,470 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$81 / month

$

Annual premium

$

Per month

%

$40 / month

Estimated Monthly Payment

$863/mo

  • Principal & Interest$592
  • Property Tax$81
  • Home Insurance$150
  • FHA MIP$40
Amortization · Remaining Balance

Financed Loan Amount

$96,124

Total Interest

$116,942

Total of Payments

$213,066

*Includes financed FHA Upfront MIP of $1,653

Local Market Insights

McIntosh County FHA Mortgage Overview

In McIntosh County, the 15.36% down payment on an FHA loan provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan's life. With a 6.250% rate and 84.64% LTV, this is ideal for buyers with sub-620 credit scores. The 0.87% property tax rate, adjusted up 2.2% for inflation, adds roughly $97 monthly on a $111,667 home. For accurate FHA loan planning with PMI and taxes in McIntosh County, ND, note that all buyers are owner-occupants, ensuring stable occupancy.

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.