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Pembina County FHA Loan Calculator

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

Loan Details

Pembina County, ND Benchmarks

FHA averages
Typical Property Value$163,182
Average Down Payment9.1%
Average Interest Rate6.593%
Effective Tax Rate0.82%
Median Tax Paid$1,205/yr
Tax Growth (Historical)+0.3%
Based on 11 regional loans totaling $1,535,000 (HMDA database).
$
%

$14,850 down · $148,332 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

$63 / month

Estimated Monthly Payment

$1,287/mo

  • Principal & Interest$963
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$63
Amortization · Remaining Balance

Financed Loan Amount

$150,928

Total Interest

$195,723

Total of Payments

$346,651

*Includes financed FHA Upfront MIP of $2,596

Local Market Insights

Pembina County FHA Mortgage Overview

For Pembina County homebuyers using an FHA loan, the 9.12% down payment and 90.88% loan-to-value (LTV) ratio provide accessible entry, though mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life—ideal for those with sub-620 credit scores. With an average property value of $163,182 and a 6.593% interest rate, the effective property tax rate of 0.82% adds a modest monthly burden, slightly increased by the recent 0.3% inflation-adjusted tax shift. This data, reflecting 100% primary residences, underscores that an FHA mortgage with property taxes remains a stable option for owner-occupants seeking low-down-payment financing in Pembina County.

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.