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Ravalli County FHA Loan Calculator

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

Loan Details

Ravalli County, MT Benchmarks

FHA averages
Typical Property Value$526,549
Average Down Payment20.5%
Average Interest Rate6.111%
Effective Tax Rate0.41%
Median Tax Paid$2,380/yr
Tax Growth (Historical)+0.2%
Based on 71 regional loans totaling $27,445,000 (HMDA database).
$
%

$107,943 down · $418,606 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$180 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$3,091/mo

  • Principal & Interest$2,584
  • Property Tax$180
  • Home Insurance$150
  • FHA MIP$177
Amortization · Remaining Balance

Financed Loan Amount

$425,932

Total Interest

$504,264

Total of Payments

$930,196

*Includes financed FHA Upfront MIP of $7,326

Local Market Insights

Ravalli County FHA Mortgage Overview

In Ravalli County, the weighted average down payment of 20.54% on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, even with this equity level. This suits buyers with sub-620 credit scores. The 79.46% Loan-to-Value ratio reflects strong equity, yet MIP cannot be canceled. With a 0.41% effective property tax rate and a 0.2% inflation-adjusted shift, monthly affordability is stable. For those exploring FHA loan options with PMI and taxes in Ravalli County, MT, this data confirms primary residence purchases dominate, ensuring consistent local market dynamics.

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.