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Park County FHA Loan Calculator

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

Loan Details

Park County, MT Benchmarks

FHA averages
Typical Property Value$456,250
Average Down Payment14.5%
Average Interest Rate6.176%
Effective Tax Rate0.38%
Median Tax Paid$2,641/yr
Tax Growth (Historical)+4.4%
Based on 32 regional loans totaling $11,880,000 (HMDA database).
$
%

$66,156 down · $390,094 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$144 / month

$

Annual premium

$

Per month

%

$165 / month

Estimated Monthly Payment

$2,886/mo

  • Principal & Interest$2,426
  • Property Tax$144
  • Home Insurance$150
  • FHA MIP$165
Amortization · Remaining Balance

Financed Loan Amount

$396,920

Total Interest

$476,391

Total of Payments

$873,312

*Includes financed FHA Upfront MIP of $6,827

Local Market Insights

Park County FHA Mortgage Overview

For Park County homebuyers, the 14.54% average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of this equity stake. With an 85.46% loan-to-value ratio and 100% owner-occupied purchases, this market favors buyers with sub-620 credit scores. The 0.38% effective property tax rate is low, yet the recent 4.4% inflation-adjusted increase will modestly raise true monthly costs. When evaluating an FHA loan with PMI and taxes in Park County, MT, consider how these tax shifts affect long-term affordability alongside local loan limits.

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.