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Judith Basin County FHA Loan Calculator

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

Loan Details

Judith Basin County, MT Benchmarks

FHA averages
Typical Property Value$200,000
Average Down Payment15.8%
Average Interest Rate5.958%
Effective Tax Rate0.50%
Median Tax Paid$1,066/yr
Tax Growth (Historical)+6.5%
Based on 4 regional loans totaling $590,000 (HMDA database).
$
%

$31,600 down · $168,400 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$83 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,328/mo

  • Principal & Interest$1,023
  • Property Tax$83
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$171,347

Total Interest

$196,900

Total of Payments

$368,247

*Includes financed FHA Upfront MIP of $2,947

Local Market Insights

Judith Basin County FHA Mortgage Overview

For Judith Basin County homebuyers, the 15.80% average down payment on FHA loans provides accessible entry, yet the 84.20% loan-to-value ratio confirms mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. The 0.50% effective property tax rate, adjusted upward by 6.5% for inflation, adds roughly $650 annually to true monthly costs. All loans here are for primary residences, reflecting stable owner-occupancy. When evaluating an FHA loan with PMI and taxes in Judith Basin County, MT, this data highlights that while down payments are manageable, long-term MIP and rising taxes require careful budgeting.

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.