Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

50314 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 50314 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 50314 Hub
Est. Total Monthly Cost
$1,403
P&I Payment$999
Taxes & Ins$245
Utilities$159
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 50314 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

$186,153
Local Median: $186,153
$37,231 (20%)
%

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

Local Area Costs

Monthly$1,403

Monthly Breakdown

Principal & Interest
$999
Property Taxes
$186
Homeowners Ins.
$59
Utilities
$159

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$210,717

Local Housing Facts for ZIP Code 50314

  • ·Median home value: $186,153 (adjusted for current market conditions)
  • ·Est. property taxes: $2,234/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $711/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,908/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 DES MOINES?

Based on the local median home value, estimated real estate property taxes in DES MOINES are around $2,234 per year.

What is the average home price in DES MOINES?

The median home value in DES MOINES is currently estimated at $186,153.

How much does homeowners insurance cost in DES MOINES?

For a median priced home, homeowners insurance in DES MOINES averages around $711 annually.

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

True homeownership costs go beyond principal and interest. In DES MOINES, a typical homeowner with a median-priced home of $186,153 can expect to pay roughly $2,234/yr in property taxes, $711/yr for homeowners insurance, and $1,908/yr in energy utilities. That adds approximately $404 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.