Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

45204 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 45204 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 45204 Hub
Est. Total Monthly Cost
$1,126
P&I Payment$748
Taxes & Ins$186
Utilities$191
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 45204 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

$135,576
Local Median: $135,576
$27,115 (20%)
%

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

Local Area Costs

Monthly$1,126

Monthly Breakdown

Principal & Interest
$748
Property Taxes
$127
Homeowners Ins.
$60
Utilities
$191

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$160,980

Local Housing Facts for ZIP Code 45204

  • ·Median home value: $135,576 (adjusted for current market conditions)
  • ·Est. property taxes: $1,518/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $715/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,294/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 CINCINNATI?

Based on the local median home value, estimated real estate property taxes in CINCINNATI are around $1,518 per year.

What is the average home price in CINCINNATI?

The median home value in CINCINNATI is currently estimated at $135,576.

How much does homeowners insurance cost in CINCINNATI?

For a median priced home, homeowners insurance in CINCINNATI averages around $715 annually.

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

True homeownership costs go beyond principal and interest. In CINCINNATI, a typical homeowner with a median-priced home of $135,576 can expect to pay roughly $1,518/yr in property taxes, $715/yr for homeowners insurance, and $2,294/yr in energy utilities. That adds approximately $377 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.