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Valley County FHA Loan Calculator

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

Loan Details

Valley County, ID Benchmarks

FHA averages
Typical Property Value$528,333
Average Down Payment19.9%
Average Interest Rate6.060%
Effective Tax Rate0.34%
Median Tax Paid$1,964/yr
Tax Growth (Historical)+7.2%
Based on 27 regional loans totaling $9,805,000 (HMDA database).
$
%

$105,138 down · $423,195 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$150 / month

$

Annual premium

$

Per month

%

$179 / month

Estimated Monthly Payment

$3,077/mo

  • Principal & Interest$2,598
  • Property Tax$150
  • Home Insurance$150
  • FHA MIP$179
Amortization · Remaining Balance

Financed Loan Amount

$430,601

Total Interest

$504,788

Total of Payments

$935,389

*Includes financed FHA Upfront MIP of $7,406

Local Market Insights

Valley County FHA Mortgage Overview

In Valley County, Idaho, FHA buyers are accessing homes with a substantial 19.95% down payment against a $528,333 average value. However, because this is an FHA loan, mandatory Mortgage Insurance Premiums (MIP) apply for the entire loan term, regardless of this equity stake. The 80.05% Loan-to-Value ratio confirms strong equity, yet the MIP cannot be canceled—a key factor when using an FHA loan calculator with PMI and taxes in Valley County, ID. The effective property tax rate is a low 0.34%, but a recent 7.2% inflation-adjusted increase means monthly costs are rising. For those exploring an FHA loan down payment calculator in Valley County, Idaho, the combination of a high down payment with lifetime MIP makes this market ideal for buyers with sub-620 credit, as all data reflects 100% primary residences.

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.