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Rolette County FHA Loan Calculator

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

Loan Details

Rolette County, ND Benchmarks

FHA averages
Typical Property Value$176,000
Average Down Payment14.4%
Average Interest Rate6.516%
Effective Tax Rate0.33%
Median Tax Paid$977/yr
Tax Growth (Historical)+4.5%
Based on 10 regional loans totaling $1,460,000 (HMDA database).
$
%

$25,344 down · $150,656 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$48 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,233/mo

  • Principal & Interest$971
  • Property Tax$48
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$153,292

Total Interest

$196,242

Total of Payments

$349,535

*Includes financed FHA Upfront MIP of $2,636

Local Market Insights

Rolette County FHA Mortgage Overview

FHA loans dominate Rolette County, with a 14.43% down payment on a $176,000 average property. This provides accessible entry, but the 85.57% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) is required for the life of the loan, ideal for buyers with sub-620 credit. The effective property tax rate is a low 0.33%, yet the recent 4.5% inflation-adjusted tax shift will modestly increase monthly affordability. For Rolette County FHA loan limits and property taxes, this data reflects 100% primary residences, not investments.

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.