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Rosebud County FHA Loan Calculator

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

Loan Details

Rosebud County, MT Benchmarks

FHA averages
Typical Property Value$269,375
Average Down Payment8.3%
Average Interest Rate6.325%
Effective Tax Rate0.51%
Median Tax Paid$1,285/yr
Tax Growth (Historical)+4.7%
Based on 16 regional loans totaling $3,950,000 (HMDA database).
$
%

$22,358 down · $247,017 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$114 / month

$

Annual premium

$

Per month

%

$105 / month

Estimated Monthly Payment

$1,930/mo

  • Principal & Interest$1,561
  • Property Tax$114
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$251,340

Total Interest

$310,492

Total of Payments

$561,831

*Includes financed FHA Upfront MIP of $4,323

Local Market Insights

Rosebud County FHA Mortgage Overview

In Rosebud County, the FHA market reveals a strategic entry point for primary residence buyers. With a weighted average down payment of 8.25% and a 91.75% loan-to-value ratio, you are accessing homeownership with minimal cash outlay. However, this low down payment triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, a key factor when evaluating an FHA loan down payment in Rosebud County, Montana. The effective property tax rate of 0.51% is low, but the recent 4.7% inflation-adjusted tax shift will modestly increase your true monthly affordability. For those seeking Rosebud County FHA loan limits and tax insights, this data confirms that FHA remains ideal for owner-occupants, especially those with sub-620 credit scores, as the MIP cannot be canceled regardless of equity buildup.

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.