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Blaine County FHA Loan Calculator

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

Loan Details

Blaine County, ID Benchmarks

FHA averages
Typical Property Value$512,941
Average Down Payment11.2%
Average Interest Rate6.146%
Effective Tax Rate0.38%
Median Tax Paid$2,778/yr
Tax Growth (Historical)+5.1%
Based on 34 regional loans totaling $15,240,000 (HMDA database).
$
%

$57,449 down · $455,492 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$162 / month

$

Annual premium

$

Per month

%

$193 / month

Estimated Monthly Payment

$3,329/mo

  • Principal & Interest$2,824
  • Property Tax$162
  • Home Insurance$150
  • FHA MIP$193
Amortization · Remaining Balance

Financed Loan Amount

$463,463

Total Interest

$553,014

Total of Payments

$1,016,476

*Includes financed FHA Upfront MIP of $7,971

Local Market Insights

Blaine County FHA Mortgage Overview

Blaine County’s FHA market reveals an accessible entry point for primary residents. The 11.15% down payment on a $512,941 average property requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, a key factor for buyers exploring an FHA loan with PMI and taxes in Blaine County, ID. The 88.85% Loan-to-Value ratio confirms limited equity, making MIP unavoidable. The local 0.38% effective tax rate is low, but the 5.1% inflation-adjusted tax increase will modestly raise monthly obligations. This data underscores that while down payments are manageable, long-term MIP and rising taxes shape true affordability in Blaine County.

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.