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51104 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 51104 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,652
P&I Payment$1,152
Taxes & Ins$331
Utilities$170
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Mortgage Details

$217,088
Local Median: $217,088
$43,418 (20%)
%

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

Local Area Costs

Monthly$1,652

Monthly Breakdown

Principal & Interest
$1,152
Property Taxes
$252
Homeowners Ins.
$79
Utilities
$170

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$241,027

Local Housing Facts for ZIP Code 51104

  • ·Median home value: $217,088 (adjusted for current market conditions)
  • ·Est. property taxes: $3,027/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $942/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,036/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 SIOUX CITY?

Based on the local median home value, estimated real estate property taxes in SIOUX CITY are around $3,027 per year.

What is the average home price in SIOUX CITY?

The median home value in SIOUX CITY is currently estimated at $217,088.

How much does homeowners insurance cost in SIOUX CITY?

For a median priced home, homeowners insurance in SIOUX CITY averages around $942 annually.

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

True homeownership costs go beyond principal and interest. In SIOUX CITY, a typical homeowner with a median-priced home of $217,088 can expect to pay roughly $3,027/yr in property taxes, $942/yr for homeowners insurance, and $2,036/yr in energy utilities. That adds approximately $500 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.