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Wibaux County FHA Loan Calculator

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

Loan Details

Wibaux County, MT Benchmarks

FHA averages
Typical Property Value$95,000
Average Down Payment-23.0%
Average Interest Rate%
Effective Tax Rate0.59%
Median Tax Paid$598/yr
Tax Growth (Historical)-11.3%
Based on 1 regional loans totaling $125,000 (HMDA database).
$
%

-$21,850 down · $116,850 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$47 / month

$

Annual premium

$

Per month

%

$54 / month

Estimated Monthly Payment

$1,022/mo

  • Principal & Interest$771
  • Property Tax$47
  • Home Insurance$150
  • FHA MIP$54
Amortization · Remaining Balance

Financed Loan Amount

$118,895

Total Interest

$158,719

Total of Payments

$277,614

*Includes financed FHA Upfront MIP of $2,045

Local Market Insights

Wibaux County FHA Mortgage Overview

In Wibaux County, the -22.99% weighted average down payment indicates buyers are financing more than the property's value, typical for FHA loans with financed upfront MIP. With a 122.99% LTV, this FHA mortgage requires mandatory MIP for the loan's life, ideal for buyers with sub-620 credit seeking entry. The 0.59% tax rate and -11.3% inflation-adjusted decline improve true monthly affordability. For those exploring an FHA loan with PMI and taxes in Wibaux County, MT, these low taxes offset the permanent MIP cost. All 100% of buyers are purchasing primary residences.

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.