Bonneville County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Bonneville County, ID Benchmarks

FHA averages

Typical Property Value$364,310

Average Down Payment8.7%

Average Interest Rate6.027%

Effective Tax Rate0.53%

Median Tax Paid$1,858/yr

Tax Growth (Historical)-0.5%

Based on 623 regional loans totaling $201,955,000 (HMDA database).

Home Price

Down Payment

$31,695 down · $332,615 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$161 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$141 / month

Estimated Monthly Payment

$2,488/mo

Principal & Interest$2,036
Property Tax$161
Home Insurance$150
FHA MIP$141

Amortization · Remaining Balance

Financed Loan Amount

$338,436

Total Interest

$394,389

Total of Payments

$732,825

*Includes financed FHA Upfront MIP of $5,821

Local Market Insights

Bonneville County FHA Mortgage Overview

In Bonneville County, the average FHA borrower is putting down 8.68% on a $364,310 home, resulting in a high 91.32% loan-to-value ratio. Because this is an FHA loan, the mandatory Mortgage Insurance Premium (MIP) applies for the entire loan term, regardless of this down payment—making it a strategic choice for buyers with sub-620 credit. The effective property tax rate of 0.53% is manageable, and the recent -0.5% inflation-adjusted tax change provides slight monthly relief. For those using an FHA loan with PMI and taxes in Bonneville County, ID, understanding MIP's lifetime cost is critical for true affordability. Given the 100% primary occupancy rate, these figures reflect standard homebuyer behavior, not investors.

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.