Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

20904 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 20904 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 20904 Hub
Est. Total Monthly Cost
$3,713
P&I Payment$3,047
Taxes & Ins$486
Utilities$180
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 20904 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$580,703
Local Median: $580,703
$116,141 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,713

Monthly Breakdown

Principal & Interest
$3,047
Property Taxes
$368
Homeowners Ins.
$119
Utilities
$180

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$632,426

Local Housing Facts for ZIP Code 20904

  • ·Median home value: $580,703 (adjusted for current market conditions)
  • ·Est. property taxes: $4,413/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,423/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,154/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SILVER SPRING?

Based on the local median home value, estimated real estate property taxes in SILVER SPRING are around $4,413 per year.

What is the average home price in SILVER SPRING?

The median home value in SILVER SPRING is currently estimated at $580,703.

How much does homeowners insurance cost in SILVER SPRING?

For a median priced home, homeowners insurance in SILVER SPRING averages around $1,423 annually.

What is the true total cost of owning a home in SILVER SPRING?

True homeownership costs go beyond principal and interest. In SILVER SPRING, a typical homeowner with a median-priced home of $580,703 can expect to pay roughly $4,413/yr in property taxes, $1,423/yr for homeowners insurance, and $2,154/yr in energy utilities. That adds approximately $666 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.