Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Idaho>Jefferson County (FHA)

Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, ID Benchmarks

FHA averages
Typical Property Value$387,632
Average Down Payment9.9%
Average Interest Rate6.035%
Effective Tax Rate0.47%
Median Tax Paid$1,824/yr
Tax Growth (Historical)-0.3%
Based on 152 regional loans totaling $51,250,000 (HMDA database).
$
%

$38,376 down · $349,256 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$152 / month

$

Annual premium

$

Per month

%

$148 / month

Estimated Monthly Payment

$2,590/mo

  • Principal & Interest$2,140
  • Property Tax$152
  • Home Insurance$150
  • FHA MIP$148
Amortization · Remaining Balance

Financed Loan Amount

$355,368

Total Interest

$414,945

Total of Payments

$770,314

*Includes financed FHA Upfront MIP of $6,112

Local Market Insights

Jefferson County FHA Mortgage Overview

For Jefferson County homebuyers, the 9.94% average FHA down payment creates accessible entry, though the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life due to the 90.06% loan-to-value ratio. This FHA option suits those with sub-620 credit scores seeking a primary residence. The 0.47% effective property tax rate, with a -0.3% inflation-adjusted decline, modestly improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Jefferson County, ID, note the average 6.035% interest rate on a $387,632 property. Borrowers should consider Jefferson County FHA loan limits and tax impacts carefully, as the low down payment offsets long-term MIP costs.

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.