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Minidoka County FHA Loan Calculator

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

Loan Details

Minidoka County, ID Benchmarks

FHA averages
Typical Property Value$306,633
Average Down Payment8.3%
Average Interest Rate6.023%
Effective Tax Rate0.51%
Median Tax Paid$1,261/yr
Tax Growth (Historical)+0.4%
Based on 147 regional loans totaling $39,575,000 (HMDA database).
$
%

$25,451 down · $281,182 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$130 / month

$

Annual premium

$

Per month

%

$119 / month

Estimated Monthly Payment

$2,119/mo

  • Principal & Interest$1,719
  • Property Tax$130
  • Home Insurance$150
  • FHA MIP$119
Amortization · Remaining Balance

Financed Loan Amount

$286,103

Total Interest

$332,742

Total of Payments

$618,845

*Includes financed FHA Upfront MIP of $4,921

Local Market Insights

Minidoka County FHA Mortgage Overview

For Minidoka County homebuyers using an FHA loan, the 8.32% average down payment with a 91.68% loan-to-value ratio provides accessible entry. However, because this is FHA, the mandatory Mortgage Insurance Premium (MIP) remains for the loan’s life, regardless of this down payment—ideal for those with lower credit scores. The low 0.51% effective property tax rate and minimal 0.4% inflation-adjusted shift keep monthly costs stable. When evaluating an FHA mortgage with property taxes, remember that this data reflects 100% owner-occupied purchases, not investments, ensuring a clear affordability picture.

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.