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Traill County FHA Loan Calculator

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

Loan Details

Traill County, ND Benchmarks

FHA averages
Typical Property Value$206,429
Average Down Payment4.8%
Average Interest Rate6.444%
Effective Tax Rate0.91%
Median Tax Paid$2,075/yr
Tax Growth (Historical)-0.3%
Based on 21 regional loans totaling $4,095,000 (HMDA database).
$
%

$9,909 down · $196,520 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$157 / month

$

Annual premium

$

Per month

%

$92 / month

Estimated Monthly Payment

$1,654/mo

  • Principal & Interest$1,256
  • Property Tax$157
  • Home Insurance$150
  • FHA MIP$92
Amortization · Remaining Balance

Financed Loan Amount

$199,960

Total Interest

$252,201

Total of Payments

$452,160

*Includes financed FHA Upfront MIP of $3,439

Local Market Insights

Traill County FHA Mortgage Overview

In Traill County, the typical FHA homebuyer secures a $206,429 property with just a 4.78% down payment, reflecting a high 95.22% loan-to-value ratio. This low entry point is ideal for those with sub-620 credit, though mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life. The effective property tax rate of 0.91%, combined with a slight -0.3% inflation-adjusted decrease, supports stable monthly affordability. For accurate Traill County FHA mortgage planning with property taxes and MIP, this data confirms a primary-residence market focused on accessible financing.

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.