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Walsh County FHA Loan Calculator

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

Loan Details

Walsh County, ND Benchmarks

FHA averages
Typical Property Value$168,478
Average Down Payment12.8%
Average Interest Rate6.468%
Effective Tax Rate0.92%
Median Tax Paid$1,421/yr
Tax Growth (Historical)-0.8%
Based on 23 regional loans totaling $3,175,000 (HMDA database).
$
%

$21,565 down · $146,913 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$129 / month

$

Annual premium

$

Per month

%

$62 / month

Estimated Monthly Payment

$1,283/mo

  • Principal & Interest$942
  • Property Tax$129
  • Home Insurance$150
  • FHA MIP$62
Amortization · Remaining Balance

Financed Loan Amount

$149,484

Total Interest

$189,597

Total of Payments

$339,081

*Includes financed FHA Upfront MIP of $2,571

Local Market Insights

Walsh County FHA Mortgage Overview

For Walsh County homebuyers using an FHA loan, the 12.77% average down payment and 87.23% LTV ratio highlight accessible entry, but mandatory MIP applies for the loan's life, even with this equity. This structure suits those with sub-620 credit scores seeking owner-occupied housing. The 0.92% effective property tax rate, paired with a -0.8% inflation-adjusted reduction, slightly lowers monthly costs. When evaluating an FHA loan with PMI and taxes in Walsh County, ND, the lower tax burden partially offsets the permanent MIP. For a precise FHA loan down payment assessment in Walsh County, North Dakota, this data confirms a stable, affordable primary residence market.

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.