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Treasure County FHA Loan Calculator

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

Loan Details

Treasure County, MT Benchmarks

FHA averages
Typical Property Value$295,000
Average Down Payment14.9%
Average Interest Rate6.990%
Effective Tax Rate0.48%
Median Tax Paid$1,364/yr
Tax Growth (Historical)-0.2%
Based on 2 regional loans totaling $500,000 (HMDA database).
$
%

$43,955 down · $251,045 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$118 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$2,072/mo

  • Principal & Interest$1,698
  • Property Tax$118
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$255,438

Total Interest

$355,742

Total of Payments

$611,180

*Includes financed FHA Upfront MIP of $4,393

Local Market Insights

Treasure County FHA Mortgage Overview

In Treasure County, the 14.88% FHA down payment offers accessible entry, but remember that FHA Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this equity stake. With an 85.12% Loan-to-Value ratio and 100% owner-occupancy, this data reflects standard homebuyers. The 0.48% effective property tax rate, coupled with a -0.2% inflation-adjusted decrease, slightly eases monthly costs for those using an FHA loan with PMI and taxes in Treasure County, MT. This market suits buyers seeking an FHA mortgage with property taxes, as the low tax burden offsets the permanent MIP.

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.