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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, Montana based on real HMDA transaction records.

Loan Details

Blaine County, MT Benchmarks

FHA averages
Typical Property Value$157,000
Average Down Payment29.8%
Average Interest Rate6.038%
Effective Tax Rate0.68%
Median Tax Paid$2,080/yr
Tax Growth (Historical)+6.1%
Based on 5 regional loans totaling $485,000 (HMDA database).
$
%

$46,786 down · $110,214 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$89 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$961/mo

  • Principal & Interest$675
  • Property Tax$89
  • Home Insurance$150
  • FHA MIP$47
Amortization · Remaining Balance

Financed Loan Amount

$112,143

Total Interest

$130,943

Total of Payments

$243,086

*Includes financed FHA Upfront MIP of $1,929

Local Market Insights

Blaine County FHA Mortgage Overview

Blaine County FHA buyers benefit from a substantial 29.77% down payment, which lowers monthly principal but does not eliminate mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 70.23% loan-to-value ratio confirms strong equity. With a 0.68% effective property tax rate and a 6.1% inflation-adjusted increase, monthly affordability is pressured. For precise budgeting with FHA loan limits and property taxes in Blaine County, MT, consult a local lender to assess PMI and tax impacts on your true monthly payment.

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.