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Hettinger County FHA Loan Calculator

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

Loan Details

Hettinger County, ND Benchmarks

FHA averages
Typical Property Value$215,000
Average Down Payment13.7%
Average Interest Rate6.511%
Effective Tax Rate0.79%
Median Tax Paid$1,308/yr
Tax Growth (Historical)+1.4%
Based on 16 regional loans totaling $2,840,000 (HMDA database).
$
%

$29,455 down · $185,545 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$142 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,565/mo

  • Principal & Interest$1,195
  • Property Tax$142
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$188,792

Total Interest

$241,241

Total of Payments

$430,033

*Includes financed FHA Upfront MIP of $3,247

Local Market Insights

Hettinger County FHA Mortgage Overview

For Hettinger County homebuyers using FHA financing, the 13.67% average down payment on a $215,000 property provides accessible entry, but the 86.33% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of equity. This makes FHA ideal for those with sub-620 credit scores. The 0.79% effective property tax rate, with a 1.4% inflation-adjusted increase, adds roughly $142 monthly to true affordability. When evaluating an FHA mortgage with PMI and taxes in Hettinger County, ND, or reviewing Hettinger County FHA loan limits, note that all purchases are owner-occupied primary residences, reducing investor risk.

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.