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Lincoln County FHA Loan Calculator

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

Loan Details

Lincoln County, MT Benchmarks

FHA averages
Typical Property Value$359,898
Average Down Payment15.8%
Average Interest Rate6.068%
Effective Tax Rate0.50%
Median Tax Paid$1,615/yr
Tax Growth (Historical)+4.5%
Based on 49 regional loans totaling $13,545,000 (HMDA database).
$
%

$56,864 down · $303,034 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$150 / month

$

Annual premium

$

Per month

%

$128 / month

Estimated Monthly Payment

$2,291/mo

  • Principal & Interest$1,863
  • Property Tax$150
  • Home Insurance$150
  • FHA MIP$128
Amortization · Remaining Balance

Financed Loan Amount

$308,337

Total Interest

$362,176

Total of Payments

$670,513

*Includes financed FHA Upfront MIP of $5,303

Local Market Insights

Lincoln County FHA Mortgage Overview

For Lincoln County homebuyers using an FHA loan, the 15.76% down payment on an average $359,898 property provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With an 84.24% loan-to-value ratio and 100% primary occupancy, this data reflects owner-occupied purchases. The effective property tax rate of 0.50% is low, but a 4.5% inflation-adjusted increase will modestly raise monthly costs. When evaluating an FHA loan with PMI and taxes in Lincoln County, MT, these factors directly shape true affordability. Understanding Lincoln County FHA loan limits and tax implications is crucial for 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.