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Ada County FHA Loan Calculator

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

Loan Details

Ada County, ID Benchmarks

FHA averages
Typical Property Value$462,396
Average Down Payment8.4%
Average Interest Rate5.808%
Effective Tax Rate0.53%
Median Tax Paid$2,655/yr
Tax Growth (Historical)-2.6%
Based on 1,496 regional loans totaling $619,100,000 (HMDA database).
$
%

$38,841 down · $423,555 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$204 / month

$

Annual premium

$

Per month

%

$180 / month

Estimated Monthly Payment

$3,065/mo

  • Principal & Interest$2,531
  • Property Tax$204
  • Home Insurance$150
  • FHA MIP$180
Amortization · Remaining Balance

Financed Loan Amount

$430,967

Total Interest

$480,357

Total of Payments

$911,324

*Includes financed FHA Upfront MIP of $7,412

Local Market Insights

Ada County FHA Mortgage Overview

Ada County's FHA market shows a strategic entry point for owner-occupants. The 8.38% down payment on a $462,396 property provides accessible homeownership, but with a 91.62% LTV, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—a key factor for those using an FHA loan down payment assessment in Ada County, Idaho. The effective property tax rate of 0.53%, combined with a -2.6% inflation-adjusted tax shift, slightly lowers monthly carrying costs, improving affordability when evaluating Ada County FHA loan limits and tax impacts. This data confirms a strong primary residence market, ideal for buyers with sub-620 credit seeking FHA financing with PMI and taxes in Ada County, ID.

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.