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Fergus County FHA Loan Calculator

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

Loan Details

Fergus County, MT Benchmarks

FHA averages
Typical Property Value$277,353
Average Down Payment14.2%
Average Interest Rate6.116%
Effective Tax Rate0.77%
Median Tax Paid$1,769/yr
Tax Growth (Historical)+0.4%
Based on 34 regional loans totaling $7,850,000 (HMDA database).
$
%

$39,384 down · $237,969 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$178 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$1,899/mo

  • Principal & Interest$1,470
  • Property Tax$178
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$242,133

Total Interest

$287,227

Total of Payments

$529,360

*Includes financed FHA Upfront MIP of $4,164

Local Market Insights

Fergus County FHA Mortgage Overview

In Fergus County, the 14.17% average down payment for FHA loans provides accessible entry for owner-occupants, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life regardless of equity. With an 85.83% LTV ratio and 100% primary occupancy, this market favors buyers with sub-620 credit scores. The 0.77% property tax rate, with a 0.4% inflation-adjusted shift, keeps monthly costs stable. For precise budgeting, consider a Fergus County FHA mortgage tool incorporating property taxes and PMI, while understanding the local loan limits shape your purchase power.

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.